How to apply for a US bank card?

First of all, you need to understand the difference between DebitCard and CreditCard. DebitCard is the same as domestic debit cards. You cannot overspend. You can only spend money if you deposit it. This kind of card has no credit history and will not affect future borrowing. CreditCard is a well-known credit card. In the United States, the credit limit of a credit card can be accumulated. Americans prefer credit cards because they like to consume first and pay later. Therefore, applying for a CreditCard is relatively more troublesome, and requires a Social Security Number (SocialSecurityNumber). Ordinary international students only need to apply for a DebitCard, which can be used for remittances and consumption.

First of all, you must choose a good bank. There are many banks in the United States, such as Citigroup, Bank of America, etc. When choosing a bank, you mainly need to consider whether there are convenient branches around the school and how to transfer money. For general comprehensive universities, a large bank will come to the school every time the semester starts to help students open accounts, and international students themselves can also ask the person in charge of logistics at the university about bank cards.

As for the convenience of remittances, some large banks have cross-border cooperation. For example, China Construction Bank and Bank of America have a contract, and each time the remittance does not exceed a certain limit, the handling fee is waived. For example, with Citi, you can apply for a card at home and then go abroad. In this way, direct remittance from Citi only costs a small fee and is easy for domestic parents to manage.

The next step is to apply for a DebitCard. In fact, the application is very simple. You only need your passport and student card (or student ID card), and you need about 50-100 US dollars as account opening funds (of course there is no upper limit). You can also open an account with a check, because if you convert the check directly into cash, you need to pay a handling fee of 5-10, but if you directly put the check into an account under DebitCard (such as SavingAccount), you do not need to pay any fees.

How to apply for a visa card?

VISA cards can be applied for by every bank, and the application process is roughly the same as that of ordinary credit cards.

1. Application procedures

1. Fill in the application form

2. Submit your information and copies to the bank

3. The bank will send it to the credit card center

4. The credit card center will review, print and issue the card

5. After getting the card, open it and wait to receive the password letter

2. Bank credit card application conditions

1. Age requirements: Domestic residents must be between 18-65 years old, and overseas residents must be between 25-65 years old

2. Job requirements: Have a stable workplace, income and fixed residence

3. Credit requirements: No bad credit record. Applicants for supplementary cards must be the parents, spouse or children of the primary cardholder, aged between 16-65 years old

3. Bank credit card application materials:

1. Identity certification information

Copy of resident ID card or military officer certificate; if you are a compatriot from Hong Kong and Macao, you need to provide a copy of the mainland travel permit and proof of residence for more than one year; if you are a foreigner, you need to provide your passport and residence permit for more than one year Just a copy.

2. Proof of employment and income

Copies of real estate certificates, car driving licenses, bank loan accounts (with good credit, overdue no more than 60 days) or deposit certificates, etc.

Extended information:

VISA card has been issued by Visa International since the end of 1982. Its predecessor, Bank of America, was established in 1959 and issued Bank of America cards in California, USA

In 1977, it changed its name to Visa and issued its first debit card. In 1987, it launched multi-currency clearing and settlement services, which promoted the efficiency of cross-border payment and settlement

1. Main types of VISA

1. Credit card - Visa provides a rich credit card product platform to its financial institution customers, which can meet various payment needs from new credit card customers to high-end consumers, as well as large institutions. Visa's credit card platform also provides value-added services such as a personalized points return system, emergency replacement cards, travel assistance and car rental insurance, which can help card issuers improve customer loyalty and usage

2. Debit card—— Visa provides a wide range of consumer debit card products for consumer segments in different regions and consumption levels. Visa debit cards allow consumers to use electronic payments to control funds in their own accounts, which is more convenient, safer and more flexible than cash and check payments. Visa's debit cards are divided into four major brands - Visa, VisaElectron, Interlink and PLUS

3. Prepaid cards - Visa also provides a wide range of prepaid card products, allowing financial institutions to Consumers are provided with prepaid card products that can be recharged. Targeting consumers who have not yet opened a bank account, Visa prepaid card solutions are a safer and more convenient option than cash and checks.

Governments and enterprises use Visa prepaid card products to issue medical insurance funds, medical subsidies, unemployment benefits, employee wages and other welfare benefits. Prepaid products better meet the needs of global travelers and provide them with the unique convenience and security of electronic payments without the hassle of cash and checks.

2. VISA card classification

1. Visa card

The most popular Visa card in the world, enjoys convenient, safe and reliable payment services

Whether it is daily shopping, hotel reservations, or online bookstore shopping, Visa cards are most recognized and accepted by merchants, and are equally popular online and in the real world

2. Visa Gold Card

Whether you are a new customer with a good credit record or an old customer who has always supported Visa cards, please upgrade to the Visa Gold Card immediately to enjoy the gold standard of superior services

As long as you hold the Visa Gold Card, Enjoy a credit line generally exceeding US$5,000, a revolving credit line, emergency replacement card service and travel cash payment service.

Visa Gold Card holders can also enjoy travel accident insurance, medical and legal service introduction and assistance, as well as 24-hour uninterrupted toll-free telephone support from the Visa Global Emergency Service Center

3. Visa Platinum Card

The Visa Platinum Card provides an extremely high credit limit, tailor-made travel reception services and entertainment projects, US$500,000 in travel accident insurance, and a series of attractive exclusive offers

4. Visa Infinite Card

The Visa Infinite Card transcends the boundaries of ordinary payments, offering credit limits you can’t find anywhere else, unimaginable convenience, tailor-made offers and unparalleled service available only to a select few. Only in this way can you enjoy the unique status of Visa Infinite Card

5. Visa Debit Card

Visa Debit Card can pay directly from the bank account, and the payment record will be detailed in Bank monthly statements make financial management easier and more convenient

6. VisaWave card

As long as you bring the VisaWave card close to the card reader, you can complete the payment. The process is faster and simpler. Safer

7. VisaMobile

VisaMobile integrates all the benefits provided by Visa cards into your mobile phone. You can purchase or download coupons, games, music, theater tickets, etc. over the phone

8. Visa Prepaid Card

A payment option other than cash or check, convenient and safe. Visa Prepaid Card provides an easy, convenient and safe way to pay anytime, anywhere, with peace of mind. VisaTravelMoney is a travel prepaid card that can travel to more than 1.8 million ATMs in more than 200 countries or regions around the world 24 hours a day, and you can withdraw local currency as travel expenses at will.

Baidu Encyclopedia—VISA

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 categories of Freedom and Discover, and then compare Chase, Amex, Citi, and Discover , the percentage of cashback (here refers to rebate points or rebate miles) from online shopping malls of UA and AA respectively; 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 and extended by 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; and one-card dual-use (can be used as a phone card) 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 accumulating consumption points to obtain mail order discounts, such as Citidollar and Chase Bonus dollar; or even obtaining gifts based on points. For example, Citibank credit card provides that if you spend a certain amount within a certain period, you can receive gifts according to the levels.

All the above mentioned 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 make repayment before the closing date (the settlement date of each monthly bill) to ensure that every Monthly statement balance to utilization of 1-10. 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 an autopay just 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! !

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 for 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 other information. 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 VISA credit card?

VISA, also translated as Visa, is a credit card brand operated and managed by Visa International Organization located in San Francisco, California, USA.

VISA is a type of credit card and there are four application methods.

1. Online application.

2. Apply via WeChat.

3. Apply online.

4. Apply by phone.

1. Branch application: I will bring my original identity certificate, copy of work certificate, copy of financial certificate and other supporting materials to a nearby bank branch to apply.

2. WeChat application: You can follow the WeChat official account of the bank where you want to apply for a credit card, and then you can see "I want to apply for a card" in the bottom column. Click and select the card type you want to apply for, and then follow the Just prompt to fill in the information.

3. Online application: Log in to the official website of the bank's Credit Card Center, select "Apply for a Credit Card", then click "New Customer Application", select your favorite card type and type, and follow the prompts.

4. Telephone application: Call the bank's credit card center customer service hotline, then press "3" to apply for credit card consultation, select "1" to transfer to the service specialist for registration (different banks may be different, follow the voice prompts That’s it), and then notify the local staff to contact you to submit the information and wait for review.

VISA credit card application conditions:

1. The main card supports applications between the ages of 18-65, and the supplementary card needs to be over 16 years old

; 2. Relevant documents proving financial resources are required; 3. Documents proving permanent residence are required. 4. There is no bad personal credit record. If you are a student, it is recommended to apply for an exclusive VISA credit card for international students. If you have no need to study abroad, it is best to rely on your parents to get one.

VISA credit card application conditions need to be improved based on the specific card attributes and levels of different credit card products of the card issuer, especially for high-level credit cards, where additional proof of financial resources is critical.

VISA credit card is a credit card jointly issued by the card-issuing bank and VSA International Organization. This credit card can be used at VISA authorized merchants around the world. Simply put, VISA card is a type of international credit card, and its payment intermediary is the international VISA organization, just like China's UnionPay. If the VISA credit card has the UnionPay logo, it can be used in China. If it does not have the UnionPay logo and it is a pure VISA credit card, then there will be fewer places in the country where it can be used.

This ends the introduction on how to apply for a US credit card and how to apply for a US credit card. Have you found the information you need?