Every country has different requirements for foreigners to apply for credit cards (debit cards). Here is an example of applying for an American credit card (credit card). Users need to have a business visa to the United States or a visa to study abroad for more than 6 months, and another one is to handle an excellent account with China HSBC. If this application method is too cost-effective, you can ask your American friends to apply for a credit card (debit card) for you, so that you can use a credit card (debit card) in the United States.

In short, there are many ways to apply for a credit card (debit card) abroad, and users can choose the way to apply for a card according to their actual situation.

How about an international credit card visa?

The processing flow of Visa card is:

1. First, bring your valid personal identification to the bank that wants to apply for a visa card;

2. After going to the bank, choose the card type to apply for and fill in the credit card application form and personal identification information;

3. Provide relevant materials and certificates, wait for the bank's audit, and issue the card after the audit is passed.

Matters needing attention

Many banks have their own international credit cards, but it should be noted that before applying for a credit card, you should first understand the credit card risk terms of the bank. If the credit card is lost or stolen, you should immediately contact the bank to report the loss.

Adjust credit card limit

Under normal circumstances, the credit card limit given by the bank is relatively large. For example, my credit card limit is close to 20 thousand, so I don't need it at ordinary times. If I lose my credit card, it will cause a lot of unnecessary losses. Therefore, individuals can manually adjust the credit card limit, so that the credit card consumption limit is limited to this limit, and the risk is much smaller. When more credit cards are needed, they can manually change them back.

Turn off the ATM withdrawal function of credit card.

It is basically useless to withdraw money from ATM by credit card, and the interest rate is surprisingly high. Once the credit card is stolen, it will bring greater risks. It is suggested to turn off the cash withdrawal function of the credit card.

Which is safer, signature or password?

Using signature as proof of credit card consumption is the mainstream of international banking. From the security point of view, this kind of credit card can be consumed only by signing, especially through online banking. Generally, as long as you know the cardholder's name,++,credit card validity period and inquiry password, you may be stolen. Therefore, many cardholders in China think that passwords are more secure than signatures. However, the use of passwords also has some disadvantages, that is, the responsibility of keeping passwords is passed on to cardholders, which means "at your own risk". Once a credit card is fraudulently used, the rights and interests of the cardholder who uses the signature can often be better protected and compensated.

Lost or stolen credit card

Once the user finds the card lost or stolen, he should immediately contact the bank to report the loss.

Take a bank's credit card as an example. After the credit card is lost or stolen, you can apply to the bank for compensation for the stolen loss within 48 hours from the time of reporting the loss, and the bank will bear the stolen credit loss. The maximum annual guarantee for ordinary cardholders is RMB 654.38+0000, and that for gold cards is RMB 20000. The losses borne by the bank do not include transactions conducted through passwords.

What credit card should I apply for when going abroad?

1. It is actually possible to apply for a credit card abroad and spend money abroad with a domestic UnionPay credit card, but the main card organizations abroad are visa and MasterCard, so most merchants do not have the conditions to apply for UnionPay cards.

2. In fact, at present, all major banks in China have launched credit cards: all-currency credit cards to facilitate the majority of cardholders to spend abroad. All-currency credit card holders can spend money at any foreign merchant and automatically convert it into RMB after spending. Just pay back according to the RMB bill, which saves the cardholder a lot of trouble.

3. It is recommended to use China Bank's all-currency international chip card-BOC EMV Gold Card, which is free of annual fee for life. No matter when, where and in what currency, the currency exchange fee for cross-border transactions will be reduced or exempted, and the preferential strength is 65438+ 0.5% of the transaction amount.

4. After opening the global transaction bookkeeping function of RMB, all foreign currency transactions will be automatically purchased and booked in RMB, and only repayment will be made in RMB according to the bill. If this function is turned off, you need to purchase foreign exchange for repayment manually.

For more information about what credit cards to apply for abroad, please visit: See More.

How to handle overseas credit cards faster?

There are generally three ways to handle overseas cards: 1. Open an account in Hong Kong in person and apply for a Hong Kong bank card; 2. The mainland witnessed the opening of an account and opened a Hong Kong bank card; 3. Mobile phone online processing, do an American bank card.

1. Bank card refers to a credit payment tool issued by commercial banks (including postal financial institutions) to the public with all or part of the functions of consumer credit, transfer settlement, cash deposit and withdrawal, etc. Bank card reduces the circulation of cash and checks, which makes the banking business break through the limitation of time and space and undergo fundamental changes. Under normal circumstances, bank cards are divided into credit cards and debit cards according to whether credit lines are granted to cardholders. In addition, bank cards can be divided into magnetic stripe cards and chip cards according to different information carriers; According to whether the issuer is in China, it is divided into domestic cards and overseas cards; It is divided into personal cards and unit cards according to different issuers; According to the different currencies of accounts, they are divided into RMB cards, foreign currency cards and dual currency cards.

Second, bank cards are mainly divided into credit cards and debit cards, which have different validity periods.

1, credit card

The validity period of credit cards is determined by banks, 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 credit cards 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 face, because the service life of each credit card will be marked on the card face.

2. Debit card

Like credit cards, debit cards have a validity period, but the validity period of debit cards is generally longer than that of credit cards, which is basically about ten years. You can see the expiration date on your debit card. In addition, some magnetic stripe debit cards may not have a valid period, but now magnetic stripe cards are no longer issued. It is recommended to change the 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 of the original contract. We should negotiate with consumers to minimize the adverse effects on them. The bank's card replacement behavior will bring many inconveniences to consumers, such as time-consuming and laborious card replacement, and the original binding transaction needs to be readjusted due to++changes. In line with the principle of customer first, banks try to adopt the upgrade method of changing cards without changing numbers.

So much for the introduction of foreign credit cards.