1.Discover

Discover's card is the most recommended card in Tiandao Xiaobian. Although it is a separate system, it is not convenient to use it in countries outside the United States without the system of Visa and Master, but the threshold for handling it is low and there is no annual fee, which is very friendly to the majority of international students. If you want to brush your credit history, this is also a point that must be paid 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 commonly used, but the application threshold is higher than Discover. The biggest advantage is that there are abundant preferential activities. If you like to eat delicious food, buy in buy buy and go out to play, you must not miss American Express!

3. Chase

The application conditions of Chase's credit card are slightly lower than others. For students who often return to China, it is recommended to apply for Chase. Because this company is connected with some airlines, there will be discounts on air tickets and mileage.

Benefits of using credit card:

Credit card consumption is very common and convenient in the United States, and some online consumption even only supports credit card consumption. Credit card spending often has cash back, and there are preferential activities for food, clothing, housing and transportation. For example, Discover, downloading their app, will tell you what the activity is that month. 5% cash back for food and beverage consumption, 5% cash back for refueling, and 1%off for watching movies are all very practical!

If you plan to stay in the United States for a long time in the future, accumulating credit scores earlier will have a good impact on the future loan amount and loan interest rate.

Application method:

Credit card processing has little to do with whether there is a bank near you, and it is basically through online application. After filling in the basic personal information, you need to wait for the review. After the review is passed, the official will mail the credit card directly to your address. Even if you go to the bank, it is actually the staff who guide you to apply online. It depends on personal preference! As for the credit records involved in applying for a credit card, students can consider setting up a card in their own savings bank. With the deposit records, many problems can be solved easily.

repayment method:

generally, it is to transfer money directly from the savings account. Therefore, it is necessary to bind a savings account, and the bank of the savings account will choose what is in its own school or near its address. If you go out to play, you'd better check whether you have your own bank along the way. Tiandao Xiaobian himself has encountered the situation that he can't find a familiar bank in other cities for a long time.

Credit cards handled in China:

It's not convenient to use cash when I first came to the United States, and I haven't got a new card. What should I do if it is swollen? Tiandao Xiaobian recommends that parents please open a supplementary card for their credit card. Many banks, such as Bank of China, China CITIC Bank and China Merchants Bank, have this kind of business, so they can spend money in the United States and repay the money in China. However, it is still a friendship to remind students to pay attention to moderation and rational consumption.

Note:

In the United States, it is common to steal credit cards. It is suggested that students always pay attention to the consumption information of the card and keep personal information safe to avoid being stolen. If it is a domestic credit card, you must contact the bank in time to prove that you are not in the place of consumption. The bank will usually let the students report the case first, and you can usually recover the stolen money after going through a process.

In short, before studying in the United States, students are recommended to apply for a credit card in China. As for which one to apply for after going, you should choose according to your personal needs!