Question 1: I want to study in the United States, but how to apply for a credit card? International students do not have a social ID in the United States, so they cannot apply for a credit card without a guarantor. It is recommended that your parents apply for some domestic dual-currency credit cards and student supplementary cards before going there, so that you can use U.S. dollars when spending money in the United States, and your parents can use RMB to remit money in China.

It is best to use a credit card starting with "62", which can save a currency conversion fee

Currently, there are credit card products specifically targeted at international students on the market, such as the International Credit Card Organization An international student-themed credit card launched by Visa and China Minsheng Bank. Many domestic banks such as ICBC, Bank of China, China Merchants Bank, China Everbright, and CITIC can apply for international credit cards, and no handling fees are charged when making purchases. The Sunshine Credit Card, Ruyi Sanbao Card, Fu Card, etc. provided by Everbright Bank can also monitor the credit card usage of children through SMS services.

The Bank of China recently launched a "Bank of China Great Wall International Zhuojun Card" tailored for international students. In addition to the functions of a general credit card, this card also has a 24-hour Chinese hotline abroad. If international students encounter transportation, medical and other problems abroad, they can get timely consultation services, and the card also has three foreign currencies to choose from: US dollars, pounds, and euros.

Question 2: What credit card is good to apply for when studying in the United States? Students studying in the United States all know that everyone has one credit card. The advantage of applying for a credit card is that the cost is lower than that of a money order, it is easy to use, and it can be paid online. Fax and phone calls require ETS to send scores. And you can use your credit card to make purchases after going abroad. God, let me introduce to you what credit card is good for studying in the United States?

Credit card for studying in the United States: ICBC’s Peony International Debit Card

The annual fee is 50RMB, and no deposit is required. No overdraft is allowed. The cash withdrawal fee is lower than that of Great Wall Card. The website is icbc. Service hotline 95588. The business of withdrawing money without using a card is an online payment business and needs to be opened in advance. Beijing's method is that when you receive the card, you will be given a "Peony International Card Cardless (Online) Transaction Application Form". Before you use it, fill out the form and fax it to the bank one day in advance. Faxes must be submitted during business hours Monday through Friday to be valid. The form clearly states that the bank is not responsible if something unexpected happens. Therefore, you must be mentally prepared in advance for the opening time and risks. As long as you protect your card number, there will generally be no surprises. You can call the service hotline at any time to ask whether it has been activated, and you can check the balance on the card and each transaction at any time. The service attitude is very good. Also note that you can use the card one week after depositing money. You can also pick up the application form at the bank, call the bank service staff and ask the bank staff to fax or email it to you, or you can download it online.

Credit card for students studying in the United States: Bank of China Great Wall International Credit Card

The annual fee is 12USD. The 500USD deposit cannot be used. Overdraft is allowed, and the overdraft part can be repaid in RMB. Shanghai service hotline 95566. Basically there is no problem, but when sending TOEFL, if you request ETS to send to more than 4 schools at one time, there will be a rejection. According to ETS requirements, sending to 4 schools at a time is no problem. Because handling foreign currency is Bank of China's strength, many people are willing to apply for this kind of card.

Credit card for students studying in the United States: International credit card of China Merchants Bank

Originally, a deposit of 500USD was required, but now it may not be necessary. One card has dual currencies and can be overdrafted. Overdraft consumption in US dollars can be repaid in RMB. You can use the China Merchants Bank all-in-one card to make automatic repayments without having to go to the bank in person. Certain purchases can earn Air China flight miles. Not many people have applied for this card, so it’s unclear how effective it will be.

The cost of studying in the United States is relatively high, so it is more convenient for American students to carry credit cards. I wish everyone success in studying in the United States.

Question 3: How do international students apply for a credit card in the United States? Strategies for obtaining the first credit card. As an international student, due to your lack of credit history, income and permanent residence, you will face more difficulties than other first-time credit card applicants. Many difficulties. To maximize your chances of success, you do need to do whatever you can. The following strategies will save you a lot of time and energy. As long as you follow these methods, you may be able to get your first credit card within a few weeks.

Strategy 1: Ask your school Many schools and alumni associations offer branded credit cards to their students and alumni. These cards are standard credit cards issued by financial institutions affiliated with these schools. Don’t forget to compare interest rates and terms before submitting your application. Strategy 2: Apply for a student credit card There are some credit card issuers that issue credit cards specifically for students. These credit cards do not require cardholders to have an income or job, but the initial credit limit allowed is generally relatively low. Most student credit cards do not include an annual fee, and their APR (Annual Percentage Rate, abbreviation for Annual Percentage Rate) refers to the annual interest rate on the loan on the credit card. If you pay off the balance you owe on time every month, you generally don’t have to pay anymore. , it's an interest-free loan; otherwise the APR is applied to the outstanding balance each month, translator's note) and is equivalent to a standard credit card issued by the same issuer. In addition to having a lower initial credit limit, a student credit card gives you the same convenience as a standard credit card and is a great starting point for building your credit history. It is best to attach a copy of your student ID card to prove your student status. Some of the most popular student credit card issuers are: . American Express. AT&T Universal. Bank of America. Capital One. Wells Fargo Bank Strategy 3: Open a premium bank account or investment bank account that includes credit card services Some banking institutions, such as American Express, offer a full range of financial services (including checking, investments, credit cards, and payment services) under the same account. Brokerage Account, Chase’s Select Banking, Citibank’s CitiGold, and Wells Fargo Bank’s Portfolio Management Account. If you can maintain a high balance, opening an investment bank account can be more economical than a standard checking account. Investment accounts can provide you with more choices and allow you to better manage your financial assets. Strategy 4: Apply for a secured credit card If none of the above methods work, you can apply for a secured credit card. A secured credit card requires you to deposit an initial deposit in a bank account with the credit card issuer to guarantee your credit limit. Secured credit cards serve the same purposes as regular credit cards, are just as convenient, and offer the same flexibility in payment options. This card is a great starting card to help you build your credit history. Strategy 5: Start with a mall credit card or other single-purpose credit card like a gas card. Many retail stores like Sears, Macy's, Circuit City, and others issue their own credit cards. A good way to apply for a credit card at a retail store is to buy a large item and choose to pay by credit card. This way your application is likely to be approved in a few minutes, guaranteed to cover the purchase price, and you will be able to use your newly valid credit card. You can usually get some extra discounts on your first transaction with a credit card. Using this type of credit card responsibly can also help you build your credit card history. Don't fret if your application is denied. Federal law, specifically the Equal Credit Card Opportunity Act, requires lenders to provide written notice if they deny your credit card application. According to this law, when your credit card application is declined, the written notification must contain the following two important pieces of information: a. Specific reasons for rejecting the credit card application (or methods of finding these reasons); b. If a credit report was used in making the decision, the name and address of the agency that issued the credit report. If your credit card application has been declined, here are some steps you can take to increase your chances of continuing with your application: Step 1: Figure out why you were declined. Lenders will usually state the reasons for rejecting your application in the rejection letter. If you are still unclear about the reason for rejection, you can ask for specific information. Sometimes... >>

Question 4: If you want to study in the United States, which credit card is the most convenient for international students? Credit cards in the United States are relatively developed and have good credit card protection.

There are two ways:

1. Apply for a credit card in China

Apply for a dual-label card with VISA, MasterCard, AE or one bound to UnionPay Set of cards, or purely foreign currency (all currencies) single-label cards.

It is best to apply for a currency conversion fee exemption, as long as it can save a lot of money transfer fees.

It is best to apply for a currency conversion fee-free card that often offers cashback for overseas card swiping, so that you can save more money.

If you are afraid that you will not be able to apply for a card because you do not have proof of employment, you can ask your parents to apply for the above card and apply for one (or more) supplementary cards at the same time, so that you can use the supplementary card when you go to the United States.

In this way, your parents can also help you repay the money in China, or you can repay the money yourself through online banking or mobile APP operations, which is very convenient, especially now that the channels for repayment through third parties are actually more comprehensive than in the United States. Convenience, such as Alipay, WeChat, UnionPay wallet, etc. can make repayment convenient and fast.

2. Apply for a credit card in the United States

There are many credit card companies in the United States, with high thresholds and different services;

The United States has Credit card review is very strict, because the United States is a credit society, especially applying for the first credit card will be relatively difficult, and the limit will not be very high;

Credit card repayments in the United States are indeed not as good as in China Credit cards are convenient. Sometimes you have to queue up at the bank or even make an appointment for repayment.

If you plan to stay in the United States in the future, you can try to apply for a credit card in the United States. This will gradually start to build up your credit record, which will be helpful for future settlement and work.

If you plan to return to your country in the future, it is better to use a domestic credit card, especially if your parents apply for an additional card for you. This will not only have a larger limit, but also make it easier for them to help you repay the loan.

Question 5: As an international student studying in the United States, what bank card should I use? Don't be nervous! I'm also abroad. In fact, it's easy to apply for a credit card in China. Just tell the lady at the service desk that you need VISA Global Access and you need to go abroad. I suggest you ask your parents to transfer the money to the account you have in China and then use it in the United States. Go to BANK OF AMERICA to apply for a savings card that allows you to withdraw and deposit into an account. The money your parents transfer to your card can be transferred to it. If you still have any questions, please add me Q. I am also studying in the United States. 408897569 Oh, by the way, I use China Merchants Bank!

Additional answer: There is no cheapest way. In fact, the cheapest way is to ask your parents to remit money to the card you apply for in China, and then when you come to the United States to withdraw money from an ATM, it is best to withdraw the maximum amount at one time. The limit is because the minimum withdrawal fee is 2.00 yuan. The withdrawal fee for withdrawing 300 pages is 2 yuan, and then deposit it to the card you apply for in the United States. This way there is no transfer fee.

Question 6: Which bank should I apply to study in the United States? Is a credit card better? 50 points For now, there is only one bank that is the best choice for studying abroad in China: Bank of China (other than that, other bank procedures are very cumbersome and inconvenient. And they do not provide as many services as Bank of China. For example, personal checks , money orders, only Bank of China can provide them.) Bank of China provides financial services for studying abroad. Before going abroad, you should apply for the "Account Opening Witness Service for International Students in the United States" through the domestic acceptance agency of Bank of China. After the materials are approved by the domestic acceptance institution of Bank of China, they will be sent to the New York Branch for further review and account opening procedures. The main advantages are as follows: There is no handling fee for opening an international student account; there is no handling fee for receiving inward remittances into an international student account; Bank of China New York Branch You can also enjoy the services of Bank of China New York Branch in Illinois, please read below. International students are provided with Chinese Mandarin and Cantonese services; international students can enjoy a 10% discount on the handling fee for outbound remittances; international students' accounts can handle RMB pre-settlement remittances, that is, directly convert US dollars into RMB and remit to designated domestic accounts; the New York branch provides international students with Debit card, personal online banking and various deposit account services.

Deposit accounts include: personal checking account, personal NOW account (interest-bearing checking account), personal money market deposit account, personal current savings account and personal time deposit account; the period of ordinary time deposit accounts can be divided into one month and two months , three months, six months, nine months, one year, two years, thirty months and four years, a variety of terms are available. ?Free inquiries and withdrawals at Bank of China ATMs in the United States; ?Compensation for cardholders' cash withdrawal fees at other banks' ATMs once a month, with the amount not exceeding US$2; ?Free application, activation and expiration of new cards; ?Provided Free counter services: With the card, you can handle a series of business services such as deposits and withdrawals, transfers, inquiries, etc.; No need to carry cash for consumption: With the card, you can make purchases in major department stores, supermarkets, post offices and merchants in the United States. ?The daily limit for debit card purchases and cash withdrawals is US$500 each. The matching credit card has no annual fee. And it has online banking function. You can activate your account and apply for debit cards and online banking services by mail and notarization in Illinois. You only need to call the New York Bank sales department after entering the United States, and the salesperson in the sales department will assist the customer to complete the account activation process. Customers only need to fill in a copy of the entry I-94 card, a copy of the passport and the account activation form requested from the Bank of New York, then notarize it and mail it to the Bank of New York to activate your account and handle debit cards, credit cards and online banking services. . Moreover, notary services in the United States are very simple and cheap. Many pharmacies and banks provide notary services at prices ranging from $2 to $10. After the activation materials are received and confirmed to be correct, the account will be officially activated. Bank of New Zealand can provide temporary free checks for daily payments. New Zealand Bank can also issue a bank draft upon your request for payment of tuition and fees. For specific processing methods, please refer to the website I provided below (official website of Bank of China). There is a processing flow chart and application form at the bottom of the page.

Question 7: Which credit card is better to apply for when studying in the United States for one year? Generally, you apply for a domestic credit card (with a primary card and a secondary card). . .

Then go there and apply for a local bank card. . . .

Some of the better banks in the United States include

Wells Fargo

Bank of America

Citi Bank

Mainly Find out which bank is more convenient around the school

Question 8: Several issues regarding applying for credit cards and debit cards when studying in the United States. The poster’s questions are very detailed and good questions!

When you come to the United States to study, it is very convenient to apply for a US credit card.

When fraud occurs, you can contact the bank as soon as possible. The bank will ask you several questions according to the process, such as whether your bank card has been lost, whether it has been lent to a friend, and other general questions. After asking, the bank will return the stolen money directly to your bank account, but this money is called temporary credit, which is temporary. At the same time, the bank will investigate the matter. If it is determined that it was stolen, this temporary credit It becomes permanent.

2. When applying for a credit card in the United States, you need to consider two aspects. One is which bank has more branches and ATMs at your school, so that it is easier for you to withdraw money and handle business at the school; and One is which bank in the United States has more common branches and ATMs, so you can easily withdraw money when traveling out of state. Based on these two factors, if you go to school in the eastern United States, it is recommended to apply for JP Morgan Chase. If you go to school in the west, it is recommended to apply for Wells Fargo. Personally, I prefer Chase.

3. Applying for a bank card is not as troublesome as you said. Just bring some cash or checks, your school's I20, and your passport to apply. Tell them to open a student account with a debit card. Then deposit the cash or check you brought with you into this student account. The bank needs to see your student certification materials, which is I20, and your identification information, which is your passport. That’s it! There are some regulations and discounts for student accounts, and people from the bank will explain them to you when the time comes.

4. The US credit card is connected to your US account and has nothing to do with the domestic account. It has no connection.

I would like to add that when students first come to the United States, what they apply for is not a credit card, but a debit card, which is an ordinary consumer card. You must have money in the card before you can swipe it. . You need to live in the United States for a period of time and accumulate credit before you can apply for a credit card.

I hope this has answered the original poster’s question, and I wish the original author all the best!

Question 9: If my son goes to study in the United States, what kind of credit card/debit card should he get? It depends on which bank you have. Almost all banks have this international credit card.

It is divided into primary card and secondary card. You take the primary card and your son takes the secondary card. The secondary card can be used at home and abroad, and the primary cardholder pays the bill. When used overseas, settlement will be made in RMB based on the exchange rate of the day. Generally, there is no additional fee for swiping a card, and a certain percentage of handling fee is charged for cash withdrawals.

Then bring some cash and open a local bank account when you arrive in the United States. There are many banks in the United States. It depends on which one your son chooses. You can transfer money to your son's account by wire transfer or check. Generally, the wire transfer will arrive on the same day, but there will be a fee.

In fact, you can just use local cards when spending money outside. There is no need to collect such cards. But it will be more convenient for emergency use in the future.

Question 10: Which credit card is most convenient for international students to apply for in the United States? Commonly used credit cards in the United States

1.Discover

My most recommended card is the Discover card. Although it is a separate system and does not join the Visa and Master systems, it is not convenient to use in countries other than the United States. However, the application threshold is low and there is no annual fee, which is very friendly to the majority of international students. If you want to improve your credit history, this is something you must pay attention to in the United States. It is also recommended to apply for Discover first.

2. American Express

American Express’s credit card is also very commonly used, but the application threshold is higher than Discover. The biggest advantage is the abundance of discounts. If you are a student who likes to go out for delicious food, shopping and fun, you must not miss American Express!

3. Chase

The application conditions for Chase’s credit card are better than others All slightly lower. For students who frequently return to China, it is recommended to apply for Chase. Because this company has connections with some airlines, there will be discounts on air tickets, mileage, etc.

Advantages of using credit card for consumption:

Credit card consumption is very common and convenient in the United States. Some online purchases even only support credit card consumption. There are often cash rebates for spending with credit cards, and there are discounts on food, clothing, housing and transportation. For example, Discover, if you download their app, it will tell you what the activities are for that month. 5% cash back on dining expenses, 5% cash back on gas, 10% off when watching movies, etc. are all very practical!

If you plan to stay in the United States for a long time in the future, you should accumulate your credit score early. It will have a good impact on future loan amounts and loan interest rates.

How to apply:

Applying for a credit card has nothing to do with whether there is a bank near you. Basically, you apply online. After filling in the basic personal information, you need to wait for review. After the review is passed, the official will mail the credit card directly to your address. Even if you go to the bank, the staff will actually guide you to apply online. It depends on personal preference! As for the credit record involved in applying for a credit card, students can consider applying for a card at their own savings bank. After having a deposit record, many problems will be easier to solve.

Repayment method:

Generally, it is transferred directly from the savings account. Therefore, you need to bind a savings account. Choose a bank that has a savings account in your school or near your address. If you are going out for fun, it is also best to check if there is a bank of your own along the way. I have encountered situations where I could not find a familiar bank in other cities for half a day.

Credit cards processed in China:

It is not convenient to use cash when you first arrive in the United States, and I haven’t applied for a new card. What should I do? I recommend everyone to ask their parents to provide their own credit cards. Open an additional card. Bank of China, CITIC Bank, China Merchants Bank and many other banks have this kind of business, so you can spend money in the United States and repay the money on your behalf in China. However, I still kindly remind students to pay attention to moderation and consume wisely.

Things to note:

In the United States, credit card fraud is relatively common. It is recommended that students always pay attention to the consumption information of their cards and keep their personal information to avoid being stolen. If it is a credit card issued in China and you find that the card has been stolen, you must contact the bank in time to prove that you are not at the place of consumption. The bank will usually ask students to report the crime first. After going through a process, you can usually recover the stolen money. La.

In short, before going to study in the United States, it is recommended that students apply for a credit card in China. As for which one to apply for after you go, just choose according to your personal needs!