U.S. banks have deep routines and many types of cards. Which credit card is the most convenient to apply for? Tiandao editor asked friends who are studying in graduate schools in the United States, summarized their love for Amway, and wrote for prospective international students Download this conscientious guide. Let’s take a look!

Commonly used credit cards in the United States

1.Discover

The most recommended card by the Tiandao editor 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 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 taste delicious food, shop and go out for fun, you must not miss American

Express!

　3. Chase

Chase’s The application requirements for credit cards are slightly lower than others. 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.

Benefits of using credit cards for consumption:

Card swiping 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 purchases, 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.

Application method:

Credit card application has little 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. The editor of Tiandao has encountered the situation of not being able to 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? The editor of Tiandao recommends that you ask your parents to apply for your own credit card. Open a supplementary credit 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!