How to apply for an overseas credit card faster

There are generally three methods for applying for an overseas card: 1. Open an account in Hong Kong in person and apply for a Hong Kong bank card; 2. Witness the account opening in the mainland. Apply for a Hong Kong bank card; 3. Apply online via mobile phone to apply for an American bank card.

1. Bank cards refer to credit payment instruments issued to the public by approved commercial banks (including postal financial institutions) with all or part of the functions of consumer credit, transfer settlement, cash deposits and withdrawals, etc. Bank cards reduce the circulation of cash and checks, allowing banking business to break through the limitations of time and space, and undergo fundamental changes. Generally, bank cards are divided into credit cards and debit cards according to whether they grant the cardholder a credit limit. In addition, bank cards can also be divided into magnetic stripe cards and chip cards according to different information carriers; divided into domestic cards and overseas cards according to whether the issuer is in the country; divided into personal cards and corporate cards according to different issuing objects; divided into different account currencies. It is RMB card, ++ card and dual currency card.

2. Bank cards are mainly divided into credit cards and debit cards. The validity periods of credit cards and debit cards are different.

1. Credit card

The validity period of a credit card is determined by the bank, so different banks have different validity periods, and different card types have different validity periods. However, most credit cards are valid for about 3 to 5 years, and some are valid for about 8 years.

If you want to know how long your credit card is valid, you can check it directly on the card, because the service life of each credit card will be marked on the card.

2. Debit card

Like credit card, debit card also has a validity period, but the validity period of debit card is generally longer than that of credit card, basically about ten years, you can See the expiration date on your debit card. Additionally, some magnetic stripe debit cards may not have an expiration date, but now magstripe cards are no longer issued. It is recommended to switch to a chip card.

Judging from the contract signed between the bank and the customer, the bank requires the customer to replace the original magnetic stripe card with a chip card, which is a unilateral change to the original contract. Consumers should be consulted to minimize the adverse impact on consumers. The bank's card replacement behavior will bring a lot of inconvenience to consumers. For example, card replacement is time-consuming and laborious, and the original bound transactions need to be readjusted due to ++ changes. Based on the principle of consumer first, banks should try their best to adopt the upgrade method of changing cards without changing numbers.

How to apply for a credit card when studying in the United States

How to apply for a credit card when studying in the United States

First, apply for a credit card after arriving in the United States:

After arriving in the United States Of course, you need to have good credit to apply for a credit card, so international students who have just arrived in the United States should pay attention to find a suitable and correct way to apply for a credit card. The following points are for reference only:

1. Before applying for a card, you should first consult with the international counselor, international student consultation office or old student, and then go to a bank near the school for consultation.

2. During the enrollment period for freshmen, some banks and credit card companies often take the initiative to go to universities to open accounts and apply for credit cards in order to carry out business. And even after this period, some institutions will continue this preferential policy. This is a good time for students with no credit history to try to get a credit card.

But when applying at this time, you should also pay attention to: 1. You should choose a bank with more branches and more convenient for depositors; 2. Be careful not to apply for too many credit cards at this time, because it is difficult to apply for a card. Failure to consume later indicates that the cardholder’s spending power is not strong, and the credit rating or credit score will be affected. Choose one to apply for first, and you can add more later as needed. It is best for international students to take the initiative to inquire whether their local bank has such a policy. If so, do not miss the opportunity.

3. Most school bulletin boards will also have various credit card application samples for students, and the application requirements will also be listed, such as: requiring students to attach their student ID cards when applying, and registering. Certificates or tuition bills, etc. Some also require the school registration team to stamp them. The stronger the proof, the greater the chance of passing the review.

Second, apply for a credit card before going abroad:

Generally, you can apply for a credit card in China first. Common credit cards used for studying abroad are divided into main cards and supplementary cards. You can save money on the main card. , supplementary card consumption, and international credit cards from basically all banks can be used to study in the United States. You can find a credit card with a moderate application limit or a low repayment interest rate based on your own situation.

In addition, banks will also provide some other services when providing credit cards, such as the Bank of China Great Wall International Zhuojun Card (cards in US dollars, euros and pounds). In addition to having the Great Wall International Card provided by the bank, In addition to all the functions of the interest-free period for overdraft consumption, there are also consumption points and annual fee reductions for card purchases and cash withdrawals, and 24-hour international student inquiry hotline Chinese service (collect payment). The inquiry range includes the embassy phone number and address, bank address and Services include handling business, car insurance inquiries related to car rental, transportation schedules, and hospital and clinic inquiries. Moreover, most of the employees of Bank of China's overseas branches are Chinese employees. If you need help, you can also ask them.

The common charges for credit cards in China are:

Read more related articles:

·Annual fee

·International organizations Charges: International cards are automatically converted into various currencies at the time of consumption based on the real-time exchange rate. This conversion is done by international card organizations VISA, Mastercard, etc., and a handling fee of 1% of the consumption amount is charged.

·Exchange rate discount: Most international cards are US dollar cards, so students studying in the United States will not be charged this fee. However, if students want to travel to Australia, etc., they can use US dollar cards. This fee will be charged. If so, it is best to use an Australian dollar card or a euro card.

Third, things to note when holding a credit card:

1. Using a credit card in the United States can also provide you with some voluntary services and even additional discounts and guarantees, such as shopping guarantees and extensions. Shopping guarantee period, travel accident insurance and car rental insurance, etc. Different credit cards have different additional services. Credit card companies will send their service manuals with the cards, or call the company's consumer service hotline for consultation.

2. After opening a credit card, it is best to keep copies of the front and back of the card in a safe place, and always check whether your credit card is being used normally. Because the United States is a country where card holders are common, card thieves steal other people's identities, open accounts in the victim's name, and then make crazy card purchases, leaving the victim with huge debts. Therefore, be sure to pay attention to the security of your credit card.

3. If you find that your identity has been used fraudulently or your credit card is lost, you must immediately notify the bank or other relevant institutions and go through procedures such as reporting the loss to reduce the chance of the card being used by others. . And you should report the crime to the police station in time. When reporting the crime, it is best to state what happened in writing, and attach information such as the account account that was fraudulently used, the amount of money, and so on. Be sure to keep the reporting number and provide it to your creditor.

In short, for the use of credit cards, although it has the basic functions of payment and cash advance (CashAdvance), which provides consumers with great convenience, cardholders should have a correct financial management. Awareness and budget concepts, understand the various services of credit cards, and pay attention to the regulations on fines. Don't overspend, because credit cards are also an important source of personal credit building in the United States. If you can't maintain a good credit record for a long time, you will end up being passive. However, if international students can make good use of them and pay high attention to their safety, I believe credit cards will be of great help to students' life studying abroad.

How to apply for a credit card in the United States

Answer:

Application process

1. There are generally four forms of U.S. credit card applications in the United States:

1. Go to the bank website and fill out the application form to apply. It will be much easier if you have a friend who works in the bank to guide you.

2. Receive the Pre-approvedoffer invitation form from the bank, fill it out and send it back to apply. Most of the invitation offers sent by banks are advertisements, so don’t be too optimistic about pre-approve. It must be noted that Pre-approved applications will still have HP, and Pre-Approved applications may also be rejected. But Pre-Qualify can sometimes help you bypass certain application restrictions.

3. Call to apply. It is said that the success rate of telephone applications is higher than that of online applications, and a very powerful way is the Reconsideration Line. You can call within one month after being rejected to ask for the reason for rejection, or call immediately after applying to ask if you have passed.

4. Online application is the most common. Many bank credit card offers are sometimes only available for online applications, and filling in information online usually only takes five minutes.

(1) Truthfully fill in personal information, date of birth, name, SSN

(2) Detailed personal information and economic status, such as residential address, source of income, and place of work. The key tip is to fill in at least $20,000 in the Gross Annual Income column.

(3) After submission, the credit card company will begin review. The application results may come out in a few minutes, or may take a few days to be mailed to you.

Note: After completing the entire application process, do not close the webpage. Wait for 1-3 minutes before the application result will appear. There are generally three situations:

① You are approved. Commonly known as "passing in seconds", you happily wait for the bank to send the card to you.

②You were rejected. Commonly known as "rejection in seconds", if you are brave, speak well and make a backdoor call to ask the reason, you may be able to successfully reconsider.

③The webpage will ask you to wait for notification, and a letter will be sent to you, or you will be asked to call the bank (pending) to explain that supplementary materials may be needed.

(4) Submit supplementary information. Different banks have different requirements: Discover uploads PDF online, Chase sends a letter by fax, and Amex sends a letter.

(5) After receiving the card, call to activate it, then open online banking by yourself, and it's done.

Extended information:

Product types

1. According to different card issuers, they can be divided into bank cards and non-bank cards

① bank card. This is a credit card issued by a bank. Cardholders can shop at the card-issuing bank's special merchants, and can also withdraw cash at any time at any branch of the card-issuing bank or at places with ATMs.

②Non-bank card. Such cards can be specifically divided into retail credit cards and travel and entertainment cards. Retail credit cards are credit cards issued by commercial institutions, such as department stores, petroleum companies, etc., which are specially used for shopping in designated stores or refueling at gasoline stations, etc., and are settled regularly. Travel and entertainment cards are credit cards issued by the service industry, such as airlines, travel companies, etc., used for purchasing tickets, meals, accommodation, entertainment, etc.

2. According to the different objects of issuance, it can be divided into corporate cards and personal cards

①Corporate cards. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, national party and government agencies, military units, groups and other legal entities.

②Personal card. Personal cards are issued to urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable sources of income. A personal card is applied for in the name of an individual and he/she bears all responsibilities for using the card.

3. According to the credit status, status and other credit conditions of the cardholder, it can be divided into ordinary cards and gold cards

① Ordinary cards. Ordinary cards are issued to cardholders with average financial strength, credibility and status, and their various requirements are not high.

②Gold card. A gold card is a high-end credit card that pays high membership fees and enjoys special benefits. Cards are issued to those with higher credit standing, stronger repayment ability and credit, or those with a certain social status. The authorization limit of the gold card starts from a higher level, and the additional service items and scope are much wider, so the requirements for relevant service fees and security deposits are also relatively high.

4. According to different repayment methods, credit cards can be divided into credit cards and quasi-credit cards

① Credit cards. When the card-issuing bank provides bank credit, it is first used as an overdraft, and then repaid or paid in installments. Most of these cards are used internationally. That is to say, the way that cardholders are allowed to pay off their credit card accounts without deposits is "spend first, deposit later". Most of these cards are used internationally.

② Quasi-credit card. It is a credit card issued by a bank that allows you to deposit money first and spend later. When applying for a credit card, cardholders need to deposit a certain amount of money in the card-issuing bank for backup. Cardholders need to use the deposit balance as a basis when using the card. Overdrafts are generally not allowed.

5. According to the different circulation scope of credit cards, they can be divided into international cards and regional cards

①International cards. An international card is a credit card that can be used outside the country of issue and is accepted worldwide.

The five major overseas groups (MasterCard, Visa International, American Express, JCB and Diners Club) issued MasterCard, VISACard, American ExpressCard and JCB respectively. (JCBCard) and DinersClubCard are mostly international cards.

②Regional card. A regional card is a credit card that can only be used within the issuing country or within a certain region. Most of the various credit cards issued by commercial banks in my country are regional cards.

Reference materials: Baidu Encyclopedia - Credit Card

How to apply for a credit card in the United States

How to apply for a credit card in the United States? How to apply for a credit card in the United States?

An indispensable topic in studying abroad in the United States is credit cards. From the discovery and freedom that everyone happily discussed when I first came to the United States, I gradually started to consider applying for various airline cards and hotel cards with annual fees. I have been using credit cards in the United States for almost four years. The commonly used credit cards are ChaseFreedom, SPG (Amex), Chase Sapphire and Discover; plus the frequentflyer program of UA and AA.

So before buying something (especially large items), in addition to the offers that Amex often promotes, I mainly buy things that are within the 5% category of Freedom and Discover, and then compare Chase, Amex, and Citi , the percentage of cashback (here refers to rebate points or rebate miles) from online shopping malls of Discover, UA and AA; finally decide which one to choose. Of course, don’t forget that we also have Ebates, a website that offers real cash back.

Ebates is probably the largest cashback website in the United States. I really like using their website. In addition to getting cash back quickly, it also covers many merchants, more than any major credit card company. and airline onlineshoppingmall.

Chapter.1 Functions of Credit Cards (This part is mainly taken from the most classic credit card introductory post on MITBBS)

1.BuyerProtectionorBuyerSecurity

This type of service refers to consumption If an item is accidentally damaged, lost, stolen or caught in a fire within ninety days of purchase, the consumer can present the original shopping receipt to the card-issuing bank to request free repairs, updates or a payment stop or refund. File a claim notice with the card issuing company within forty-five days of damage. If you ignore the deadline, you may lose your rights and interests.

2.ExtendedWarrantyorBuyerAssurance

General products such as TVs, computers, etc. are accompanied by a warranty provided by the original manufacturer. Most of these guarantees are for free after-sales maintenance services. . General stores often encourage consumers to purchase the extended service warranty provided by the store in addition to the original factory warranty. In fact, when you generally pay with a credit card, you can automatically receive the extended warranty service provided by the card issuer.

This service means that items with an original factory warranty of less than five years will be doubled to extend the original warranty period, but the doubling shall not exceed one year. For example, the product originally has a ninety-day warranty. If the service is guaranteed for more than 180 days, it will be automatically guaranteed for one hundred and eighty days. However, if the service is guaranteed for more than two years, the extension will be limited to one year. General credit cards do not require prior registration. If the product is damaged in any way, as long as the item is still within the extended warranty period, you can ask the card issuer to repair the product for free.

However, American Express requires consumers to register within thirty days of purchase. If they have not registered after thirty days, even though the item is still within the original warranty period, it cannot be added to this item. services, so American Express card holders must pay attention.

3. Travel Accident Insurance

If you purchase air tickets or other means of transportation with a credit card, you can get accident insurance coverage ranging from 50,000 to 250,000 when traveling abroad. , the insured amount is different for each card issuer, please refer to the credit card agreement for details.

Here I would like to strongly recommend ChaseSapphirePreferred! This card covers compensation for ticket cancellations or delays due to weather conditions. Cancellations or delays due to weather are usually not covered by airline compensation, so you can feel free to seek compensation from Chase! Ha ha.

4. Collision, LossDamageInsurance

When you pay for a car rental with a credit card, you can enjoy accident insurance such as collision, loss, damage or theft. This way you can save an average of ten to thirteen dollars a day. The cost of car rental insurance is US$1,000, but usually the insured car rental period is limited to a continuous period of no more than one month, and the insurance amount and compensation regulations are different for each card issuer. Before renting a car, you may wish to inquire with the credit card issuer first. As far as the author understands , currently all credit cards issued by American Express, ATT Universal Card and Chase Manhattan provide this service, while the commonly used Citibank credit cards do not have this service function. In addition to the above-mentioned common service functions, other industries besides banks, such as ATT, AAA and airlines, have also entrusted banks to issue credit cards, which has made the already fierce competition in the credit card market even more intense.

Therefore, card issuers are constantly innovating and providing more diversified services. As for such competitive functions, different card issuers vary greatly.

Like Citibank, AAA provides a 10% discount on car rentals; American Express, Chase, and Citibank all offer student discounts or discounted cheap air tickets with different discounts; as well as dual-use cards (can be used as phone cards) discounts For example, Citibank, American Express and MCI have cooperated to launch discounts for using credit cards as phone cards. If ATT's credit cards are used as phone cards, you can enjoy a 10% discount. There are also mail order services, or you can accumulate points to get mail order discounts, such as Citidollar and Chase Bonus dollar; you can even get gifts based on points. For example, Citibank credit card provides that if you spend a certain amount within a certain period, you can get gifts according to the levels.

All the services mentioned above are free services. Each card issuer also has paid services, such as card protection, luggage insurance, etc. These types of services are purely icing on the cake and have little function. , purely depends on personal needs, and often requires an additional annual membership fee. For the above functions, AMEX is recommended first, and their after-sales service is always the best.

Chapter.2 Credit Card Score 101

The carrier of credit score accumulation is SocialSecurityNumber. Chinese people like to call it SSN by abbreviation. Sometimes it is also called TaxID in the United States. You need to have a job in the United States ( Including on-campus ++) only available. Checking credit usually costs money. It is recommended to apply for an account on creditkarma.com to check your credit score. It is worth noting that there are three major credit reporting agencies in the United States: Equifax, Experian and TransUnion. Their respective evaluation systems are different, so the scores are also different; the value provided is only an estimate.

creditkarma.com used to be updated every day, but it changed from about half a year ago to weekly updates. Students with Citi accounts can also use CitiMonitor provided by them to observe their credit.

1. Utilization

For a single credit card, it is the monthly statement balance divided by its credit limit. For an individual's entire credit card situation, it is the sum of the monthly statement balance divided by the sum of its credit limits.

In the evaluation system of creditkarma.com, the A level of utilization is 1%-10%, so no matter how much money you consume every month, it is recommended that you must repay before the closing date (the settlement date of each monthly bill). Ensure that the monthly statement balance is 1%-10% of utilization. This note is especially important for novices, because the credit limit given by credit cards is not high when they first come here, and the utilization will be very high if they spend casually.

2.PaymentHistory

It mainly depends on whether the payment is repaid in time before the due date (the due date is the latest payment time of the minimum payment last month). Everyone can generally remember this; if you are really busy, it is recommended to set up autopay to be on the safe side. If you occasionally forget to repay the loan, the bank will charge you a late fee. For first-time offenders, you can ask customer service to waive it. Any bad records (bankruptcy, debt collection, late repayment, etc.) will take 7 years to disappear! !

I would like to ask if Chinese people can apply for a credit card in the United States

Yes. Generally, you need at least two pieces of identification to open a bank account, which can be your passport and your student ID card. BankCustomerIdentificationPrograms, or CIP for short, will archive the basic information of each person who wants to open an account. The following four pieces of information are the most basic (of course each bank will have its own requirements):

1. Name.

2. Date of birth.

3. Street address of residence (P.O.Box).

4. ID number.

For non-U.S. residents without ID, you can bring one or more of the following certificates: taxpayeridentificationnumber Passport or other documents issued by the government with a photo, nationality or address printed on it. Some banks may require it. Present other documents.

For more information on whether Chinese people can apply for credit cards in the United States, go to: View more content

What are the application conditions for the Pudong Development American Express Platinum Credit Card?

Many people want to apply for high-end credit cards from banks, because they have great advantages in terms of their limit and rights. In particular, Pudong Development Bank’s American Express Platinum Credit Card not only has many top-level benefits, but also can use points to offset the annual fee, which is not available in other high-end cards. But the threshold for high-end cards is not low, so what are the requirements for applying for Shanghai Pudong Development American Express Platinum? Let's take a look.

1. High-asset users

After all, it is the most high-end credit card of Shanghai Pudong Development Bank. If you have a large asset in Shanghai Pudong Development Bank, you can apply directly. It is required that the Shanghai Pudong Development Bank account has been open for more than 6 months and the net assets are greater than or equal to 10 million.

2. Senior managers

It doesn’t matter if you don’t have a high deposit, you can still have it if you have a high position. The Shanghai Pudong Development Bank Headquarters has established strong links with key customers, and executives from central enterprises, large-scale expired companies, and Fortune 500 companies can also apply.

3. High-income people

High-income people can also have this high-end card. If your average monthly income in the past three months is more than 100,000, you can have it. . Is it difficult to apply for a high-end card?

4. Celebrities

People who have a certain reputation in society and occupy a decisive position will be specially invited by the private banking department to handle such cases.

5. Matching high-end cards from other banks

It is equivalent to applying for a card with a card. You can also apply if you have held a high-end card from another bank for more than 1 year.

The main card types are: China Merchants Bank Unlimited Card, China Merchants Bank Centurion Black Gold Card, Bank of China Unlimited Card, CITIC Bank Unlimited Card, Minsheng Bank Centurion Black Gold Card/Diamond Card, Industrial and Commercial Bank of China Centurion Card. Huzhang Black Gold Card, China Construction Bank Global Supreme Card, China Guangfa Bank Unlimited Card.

Here we introduce the application conditions for Pudong AE Super White. If you meet one of the above conditions, you can apply. Speaking of which, the threshold for high-end cards is indeed not low. High-end cards are not something you can just apply for!

This is the end of the introduction about applying for a US credit card and why the application for a US credit card was rejected. Did you find the information you need?