1. Apply for a student credit card:

This is a credit card specially opened by banks for students, so there is no requirement for income or past credit records. However, when applying for a student credit card, you are often required to show your student ID card and other information that can prove your identity. The success rate of this kind of credit card application is very high, but the overdraft amount is relatively low, which will not exceed 1 US dollars.

2. Apply for credit cards of department stores or other businesses:

For example, Macy's, the largest department store in the United States, encourages consumers to apply for Macy's credit cards in order to stimulate consumption. 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 formal credit card. And this kind of merchant credit card has a low application threshold, so students can try it.

3. Credit card based on debit card:

Many banks have additional preferential policies for debit card users, such as lowering the threshold when applying for a credit card. Especially in big cities with fierce competition and at the beginning of school, in order to win more deposits, banks will introduce such measures as "opening debit cards with credit cards". However, there is no guarantee that the application will be successful.

4. Ask friends and relatives to apply for guarantee

The purpose of this method is that the bank can confirm that someone can guarantee repayment for you if you can't pay off the loan. The guarantor must have a good credit record and repayment ability.

Debit cards and credit cards are both necessary 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 spending money indiscriminately, so that the accumulation of credit will be faster. Moreover, the advantage of credit card over debit card is that if your credit card is stolen, you can report it to the bank, and the bank can refund the lost money to you once it is verified. And even if the debit card is lost and the money has been scratched, it can't be found back.

5.