What credit cards do China students need to study in the United States? The following is a detailed introduction of 86 experts studying abroad. Credit cards based on debit cards Many banks have additional preferential policies for debit card users, such as lowering the threshold when applying for credit cards. Especially in big cities with fierce competition and at the beginning of school, in order to win more deposits, banks will introduce measures such as "opening debit cards with credit cards". However, there is no guarantee that 100% of the applicants will succeed. Just after the US financial crisis, major banks have lowered the threshold SecuredCreditCard applications in order to stimulate consumption. Some banks do not need to have work or past credit records to apply for credit cards, but only need to open an account with a deposit of about 500 dollars. This $500 is required not to be used for half a year, and it will be automatically thawed after half a year. At that time, your credit card will have a corresponding credit limit of 500, so 500 is your overdraft limit. Of course, this limit can be increased with your good credit card record. The success rate of this credit card application is generally 100%. Apply for a student credit card This is a credit card specially opened by the bank for students, so there is no requirement for income and past credit history. However, when handling student credit cards, students are often required to show their student ID cards and other materials that can prove their identity. When foreign students apply for credit cards, the success rate of such credit cards is very high, but the overdraft limit is relatively low, which will not exceed 1000 US dollars. Apply for a credit card from a department store or other businesses, such as Macy's, the largest department store in the United States. To stimulate consumption, consumers are encouraged to apply for Macy's credit card. This card is only used in shopping malls and can enjoy certain discounts. Its advantage is that the credit record it establishes is universal, just like a regular credit card. Moreover, this kind of business credit card application threshold is low, and students can try it. For example, major airlines also have similar credit cards, such as UnitedAirlines, whose credit cards can give away 30 thousand points in flight accounts as long as they apply. If you often fly with this airline, you can exchange air tickets for domestic or international routes for free. Credit card is a necessity for students to live abroad. If you plan to stay in the United States for a long time, it is suggested that you can apply for 2-5 credit cards without wasting money, so that credit accumulation will be faster.