1. Tips for using credit cards when studying in the United States - you need to pay attention to credit and identity security issues

Try not to tell others your Social Security Number (Social Security Number), birthday, unless absolutely necessary. Place of birth, mother’s name, etc., including people close to classmates.

Generally, only banks, insurance companies, and state agencies such as police stations, tax bureaus, and DMVs have the right to ask for this information. Of course, it is inevitable that hackers will attack user systems and steal user information. But everyone must protect their credit status, otherwise it will cause trouble.

2. Tips for using credit cards when studying in the United States - 2-4 are enough

You can apply for several credit cards from different banks and for different purposes, preferably Visa, Master and AE. There is one.

In addition, some credit card companies will offer some small favors to attract people. Students should not covet them to avoid long-term losses. In particular, some people who have many credit cards and spend their money without restraint will be deeply in debt after a few years, so students should be cautious when using credit cards.

3. Tips for using credit cards when studying in the United States - it’s not about the number of cards, but the quality

Many banks in the United States offer credit card services, and major banks such as BOA, Case, American Express, Discover, etc. issue Credit cards with credit limits of tens of thousands of dollars are more popular. There are also many types of credit cards from the same bank, and students should choose the one that suits them.

In the beginning, big banks only gave students a credit limit of one to two thousand yuan. If they use it well, they will naturally increase their credit limit. Sometimes students can call and ask for an increase in the limit. If the reason is to buy large items or travel, banks will still encourage students to spend more as long as their credit permits.

4. Tips for using credit cards when studying in the United States - Establishing a credit record

If students never default on credit, within a few years, their credit records can reach more than 700. In this case, students can get the best interest rates when buying a house or a car.

5. Tips for using credit cards when studying in the United States - Credit card guarantees consumption

In the United States, credit card payments can be delayed. If students purchase unsatisfactory goods, they can notify the bank to refuse payment.

6. Tips for using credit cards when studying in the United States - 6 elements of credit score

1. Length of credit history: the longer the credit history, the higher the score. The length of use of each credit card is also important. If students jump between different cards and keep applying for new cards and closing old ones, it will damage everyone's credit.

2. Credit limit: increases with points. Credit card companies will compete with each other. If they find that other banks have increased the limit for students, they will also increase it in time.

3. Delinquency: the fewer the points, the higher the points.

4. Frequency of calling: Frequent calling of credit records in a short period of time will reduce students' scores. If you want to apply for a new card, your records will be called every time you apply.

5. Asset status: Students’ loan status will be shown on their credit records. If they have never defaulted and have a long history, their scores will be high.

6. Total amount owed: the more points, the lower the points.

7. Tips for using credit cards when studying in the United States - If a credit card is lost, it should be handled promptly

During the process of using credit cards, students will inevitably encounter situations where the credit card is lost or stolen. Don’t be too anxious if you lose it. Just call the bank within 24 hours to report the loss and get a replacement.