Question 1: What bank card should I use to go to the United States? Hello, host

In principle, a dual-currency credit card is sufficient

But you may not be able to apply for it due to lack of time and limited age and income.

You can go with your parent’s card, such as their v-card or dual-currency credit card.

UnionPay cards can also be used. They can be swiped and withdrawn at Walmart, but most other places do not accept them.

Most places accept Visa and MasterCard.

Therefore, it is recommended to apply for an expedited v-card, as long as you meet the conditions.

For example, if you have enough savings, or if your mother has one, I will apply for an additional card for you.

It will be processed on an expedited basis, which seems to take two weeks.

Just ask the lobby manager of China Construction Bank for details

They will clear up your doubts

I was using the CCB V card at the time and stayed in the United States for three years. Month, basically can be used everywhere.

More convenient and practical

I wish you all the best

Question 2: What kind of credit cards can be used abroad? Famous credit card international organizations and famous credit card companies< /p>

1.Visa

2.Master Card

3.Diners Club

5.JCB

Visa and Master Card are international credit card organizations. They do not issue cards themselves, but are issued by banks, which are members of the agreement. . All major domestic banks have basically joined these two organizations.

All domestic credit card issuing banks have dual-currency credit cards in RMB and USD. You can freely choose credit cards issued by members of the two major international organizations, MasterCard or VISA.

From a practical perspective, there is almost no difference between the two. Almost everywhere you can swipe a Visa card abroad, you can swipe a Mastercard card.

In addition, there is no need to pay currency conversion fees when using UnionPay online cards in Singapore, and there is no need to purchase foreign exchange when returning to China to repay in RMB.

Question 3: Which bank card is the most convenient to use when traveling to the United States? When traveling to the United States, it is best to have a dual-currency card. However, international cards from general banks (international credit cards, international debit cards) can also be used in the United States, such as Visa, MasterCard, and America Express. Now UnionPay cards can also be used in the United States, but there is a handling fee.

Currently, merchants in the United States that have opened UnionPay card acceptance business only accept UnionPay debit cards, but at American ATMs that have opened UnionPay card acceptance business, both debit and credit cards can be used to withdraw cash. However, credit card cash withdrawals require higher cash advance fees. Currently, in accordance with national foreign exchange management regulations, each debit card can withdraw US dollars equivalent to RMB 5,000 per day. During your stay in the United States, if you expect to need more cash withdrawals during the day, you can bring more UnionPay debit cards.

According to China UnionPay, citizens are reminded that debit cards are more convenient and affordable than credit cards in the United States. For purchases and withdrawals using debit cards, the exchange rate is based on the selling price of US dollars against RMB from domestic banks on the day of the transaction. Tourists do not need to deposit US dollars before going abroad, they only need to deposit enough RMB. In addition, there is no need to pay any handling fees when using a debit card to make purchases. When consuming, you only need to enter the password and do not need to sign the purchase form. By swiping your debit card, you can also get benefits such as gifts and cash back at many merchants.

Since the credit card payment environment in the United States is very different from that in China, those traveling to the United States should pay attention to the following tips:

Most merchants in the United States do not post signs accepting bank cards, but merchants accept credit cards. As long as the machine has a keyboard for entering passwords, you can basically use a UnionPay debit card;

As long as there is a UnionPay, PULSE or CitiBank logo on an American ATM machine, you can use a UnionPay card to withdraw money. Moreover, many ATM machines have been equipped with Chinese operating interfaces;

When using ATMs to withdraw money in the United States, in addition to the handling fees charged by domestic card-issuing banks, American ATM operators will also charge a certain amount of service fees. However, the ATM machines of four banks including Citibank (CITI), PNC Bank, United Bank (UCB), and Chase Bank (CHASE) do not charge this fee;

The operation of American ATM machines is slightly different from that in China. , you need to insert the bank card into the card slot and then take it out before the operation interface will appear on the ATM screen. If you don't take it out, you can't operate it.

The following cards are all international debit cards. You can refer to: Bank of Beijing | Beijing Card Dual Currency International Debit Card | Dual Currency Card | VISA | RMB + USD Bank of Beijing | Beijing Card International Debit Card Debit Card|Single Currency Card|MasterCard|USD Bank of Beijing|Beijing Card VIP Card|Dual Currency Card|VISA|RMB + USD (VIP card, a higher deposit is required) Minsheng Bank|Minsheng International Debit Card|Dual Currency Card |VISA|RMB+USD (with regular card and VIP card) Industrial and Commercial Bank of China|Peony International Debit Card|Dual Currency Card|VISA ELECTRON|RMB+USD Shanghai Pudong Development Bank|Oriental Card International Debit Card|Single Currency Card|VISA ELECTRON| USD China Merchants Bank | All-in-one Card Gold Card, Platinum Card | Dual Currency Card | VISA | RMB + USD (VIP Card, requires a higher deposit) CITIC Bank | Wealth Management Silver Card, Gold Card, Platinum Card | Dual Currency Card | VISA |RMB+USD (VIP card, requires a higher deposit) Bank of China|Great Wall International Debit Card|Single Currency Card|Maestro|USD Hua Xia Bank|Hua Xia Foreign Exchange Card||Single Currency Card|Maestro|USD

Question 4: Which bank card is the best and most cost-effective to use when going to the United States? Hello! You can choose the Hua Xia Debit Card of Hua Xia Bank. This card does not charge annual fees and small account management fees. You can withdraw local currency from overseas bank ATMs, and the first overseas ATM withdrawal every day is free of handling fees.

Question 5: When I go shopping in the United States, which domestic cards can be used in the past? It is inconvenient to carry too much cash. At present, almost all debit cards with the "UnionPay" logo issued by domestic banks can be used in the United States, including salary cards and savings cards that everyone often uses in China. Since this business only started in the past two years, some debit cards issued earlier by banks still have "Only Valid in China" and "Only Valid in China" written on the back of the card. In addition, some bank staff are not very familiar with it. Know that these debit cards can already be used in overseas countries and regions such as the United States. So if you want to confirm whether the UnionPay debit card in your wallet can be used in the United States, you can call the China UnionPay customer service hotline: 95516 to inquire.

In addition, the commonly used dual-currency credit cards issued by domestic banks (the cards have VISA or MASTERCARD logos in the lower right corner; and the "UnionPay" logo in the upper right corner) can also be used in the United States, but they cannot be used through UnionPay. Online transactions can only be made through other bank card networks. Therefore, when you travel to the United States, you can carry both a UnionPay debit card and a dual-currency card. Try to use UnionPay debit card when you can. In this way, settlement in RMB is directly used, just like swiping a card domestically. Dual-currency credit cards can be used in places where UnionPay debit cards cannot be used, but you must remember to go through the repayment procedures for foreign exchange purchases after returning home.

Question 6: Which bank card is best for consumption in the United States? It is convenient to swipe cards for consumption in the United States, but be aware that magnetic stripe cards are beginning to be phased out abroad, so you must choose a card with a chip.

If you have been abroad for a long time, you can choose to open an account in the United States. It may only be a small amount at the beginning. We recommend Citibank, which has bank branches, ATM machines, and various financial services all over the United States.

The process of opening a bank account in the United States is basically the same as that in China. You need to fill in a form, show your ID, deposit a basic amount, set a password and other procedures. Citibank has launched a credit card for international students. Even those without SSN can apply for this green credit card. It should be pointed out that the system of Citibank in China and the system of Citibank in the United States are not connected.

There are already credit cards in China with foreign currency functions, which are also applicable in the United States. For example, Bank of China, China Merchants Bank, and some in the United States support UnionPay. You should check with the bank where you hold the card before going abroad. When going to the United States, you can also remit through Western Union of Agricultural Bank of China or MoneyGram of Industrial and Commercial Bank of China. Domestic UnionPay debit cards (not dual-logo credit cards) can also be used as local ATM

Cards or Debit Cards in the United States.

Question 7: When traveling to the United States, you can use any bank card. Just apply for a US dollar single-currency credit card. However, domestic credit cards require you to deposit a credit card in advance. For example, if you deposit 500 knives, your overdraft limit will only be 500 knives. If you are going to the United States for shopping, it is recommended to write traveler's checks, plus a credit card, and cash. Many places have a minimum limit. Cards can be swiped only after the consumption limit has been reached, otherwise you can only pay in cash, and some Chinese restaurants and Asian supermarkets only accept cash

Question 8: Which card is the most convenient to use abroad? Can anyone give me some advice? As long as it is not a single currency of UnionPay, it is acceptable. Generally, cards marked with visa are the most widely used in foreign countries.

Question 9: What are the fees for using a visa card abroad? Generally, banks charge no fees for using a credit card, but there will be fees for the exchange rate difference of the bank's exchange on the same day

Question 10: Which bank credit card is better to use in the United States? Generally speaking, in the United States, cards from four credit card companies (Visa, Mastercard, Amex, Discover) are acceptable, and it is best to have one. Visa and Mastercard are generally accepted in stores. Amex cards can extend the warranty. Discover has many good online deals and there are no international transaction fees.

VISA, MasterCard, JCB and American Express are all international credit card organizations. Among them, VISA has the widest coverage, and its authorized merchants are mainly concentrated in North America, Asia-Pacific and other regions; MasterCard’s authorized merchants are mainly concentrated in Europe and Southeast Asia. and other regions; JCB-Japan Credit Card Co., Ltd., its special merchants are mainly concentrated in Japan; American Express has issued Express cards in 49 currencies in 68 countries and regions, with more than 60 million high-quality cardholders around the world. After the application is successful, the basic functions of the card are the same. There are different credit card payment routes abroad, different special merchants, and different promotional activities.