How do American life experiences use American credit cards and ATM cards?

Many international students studying in the United States don't carry much cash when they go out for an outing or shopping. Most people choose to go to the bank to apply for bank cards and credit cards. With a bank card, travel is not only simple but also very safe. Here are some information about American credit cards and ATM cards:

ATM card With ATM card and PIN (Personal Identification Number), you can withdraw money, deposit money and transfer money at an ATM that is open 24 hours a day, regardless of the bank's business hours during the day. Under normal circumstances, the ATM attached to each branch of the bank does not need to pay extra fees; But in supermarkets, department stores and airports, a fixed handling fee will be deducted every time.

When paying in the supermarket, if the cash register is equipped with an automatic credit card selector (customers can choose to pay with supermarket membership card, credit card or ATM card), they can swipe their cards with ATM card, and the selector will be displayed on the screen. Savings account? And then what? Checking account? Let's choose and withdraw money directly from our designated account. So be sure to put away the receipt signed by the supermarket and register it in our income and expenditure account for later reconciliation.

Precautions for using ATM cards include: don't write the password on the card; When the ATM card is put into the wallet, be careful not to let the tape behind it be close to the tape of other cards; Expired cards should be cut open and invalidated; Password notification should be torn up; There is a limit to the total daily withdrawal; Don't forget to bring Kolor back after use.

Students who drive can use the all-weather cash machine designed by the bank for drivers during business hours, or the deposit and withdrawal window with clerk service. You don't have to find a place to park or get off. However, the parking distance should be accurate. If you are too far away from the window or machine, you should unfasten your seat belt and practice long arm exercise. You have to get off if you can't reach it!

Applying for a credit card has just arrived in the United States and has no credit history at all. VISA and Master cards issued by major national banks, American Express and Discover are difficult to handle. There are two ways to apply for their credit cards in our bank. You can apply for other credit cards with more favorable conditions or wider acceptance after one year.

These two methods are:

1. If we have scholarships and other part-time income from the school, we can ask the department or the employer to issue our income certificate, which will usually be approved by the bank after reaching a certain amount.

2. In addition to having an account in the bank, there are time deposits and other funds that can prove our financial strength, and there is no bad record in the bank's materials, the bank will also accept the application, which is based on the reputation we have established in the bank. In addition, you can try to apply for a credit card through the school. Because some banks sign contracts with schools, it is easier for students in this school to apply for credit cards (with a copy of their student ID cards).

Direct deposit If there is no direct deposit, you must take the check you received on payday to the bank to deposit or withdraw cash. After direct deposit, we will receive a deposit notice. Its advantages are: it can save the time of running the bank on schedule, and the bank will also lower the minimum deposit limit of our account. Usually, you only need to save it once, and you don't need to save it again when the new semester starts or during the winter and summer vacations.

For more information about studying in the United States, please click on the relevant links.

China people are very modest. For example, if someone praises you for your beauty, you usually answer? Where is it? I'm not pretty? . Being too modest in America will be considered very hypocritical. When others praise you for your beauty, what will Americans say? Thank you? . If a person who can speak fluent English apologizes that he can't speak English well, then he can speak fluent English. They will think you are a liar. Therefore, in the United States, students should seek truth from facts, meet others' praise and express their gratitude directly.

2. Don't ride with strangers

Don't ride with strangers in America. Cases such as being robbed of money or insulted because of hitchhiking often happen. Especially female students, when they see someone stopping on the road, they say they want to give you a ride. Be sure to refuse coldly, and don't talk to him too much. In order to avoid danger.

Don't take the subway at night

Unlike China, the subway in the United States is extremely messy and becomes a gathering place for drug addicts, thieves, hooligans and triads at night. Therefore, for your own safety, please don't travel by subway at night. If something goes wrong in this state, even the police will not sympathize with you. This is the most basic thing to know when living in America.

For those students who are credulous, simplistic and lacking in interpersonal skills, parents need to strengthen the education of prevention awareness before their children go abroad.

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