How about studying in America? credit card

Question 1: I want to study in the United States, but how can I apply for a credit card? International students in the United States do not have a social ID, and they cannot apply for a credit card without a guarantor. Parents are advised to apply for some domestic dual-currency credit cards and student supplementary cards before going, so that US dollars can be used for consumption in the United States and RMB can be used for remittance in China.

It is best to use a credit card beginning with "62", which can save a currency conversion fee.

At present, there are credit card products specifically for international students on the market, such as the international credit card organization Visa and Minsheng Bank's theme credit card for international students. Many domestic banks, such as ICBC, BOC, China Merchants Bank, China Everbright and CITIC, can handle international credit cards without handling fees. Sunshine Credit Card, Ruyi Sanbao Card and Fuka provided by China Everbright Bank can also monitor children's credit card swiping through SMS service.

Not long ago, Bank of China also specially launched a "BOC Great Wall International Zhuojuan Card" tailored for international students. In addition to the functions of a general credit card, the card has also opened a 24-hour Chinese hotline abroad. If foreign students encounter problems in transportation and medical care abroad, they can get consulting services in time. There are also three foreign currencies to choose from in the card: US dollars, British pounds and euros.

Question 2: What kind of credit card do students studying in the United States use? Students studying in the United States know that there is basically only one credit card. The advantage of doing a credit card is that the cost is lower than that of a bill of exchange and it is convenient to use. You can pay online, or you can ask ETS to send points by fax and telephone. And you can use a credit card after going abroad. Heaven, let me introduce you to what kind of credit card you apply for studying in the United States.

American study abroad office credit card: China Industrial and Commercial Bank Peony International Debit Card.

The annual fee is 50 yuan RMB, and no deposit is required. Cannot overdraw. The cash withdrawal fee is lower than that of the Great Wall Card. The website is ICBC. Service hotline 95588. Card-free withdrawal business belongs to online payment business and needs to be opened in advance. The way in Beijing is to give you an "Application Form for Peony International Card Transaction without Card (Online)" when you apply for a card, and fill out the form one day in advance and fax it to the bank. It must be faxed during working hours from Monday to Friday to be valid. It is clearly stated in the form that the bank is not responsible for any accident. Therefore, the opening time and risks should be psychologically prepared in advance. As long as you protect your card number, nothing will happen. You can call the service phone at any time to ask if it is open, and you can check the balance on the card and every transaction at any time. Good service attitude. In addition, pay attention to the money on the card for a week before using it. You can also get the application form from the bank, call the bank service staff to send it to you by fax or email, or download it online.

American study abroad office credit card: China Bank Great Wall International Credit Card.

The annual fee is 12 USD. The deposit of $500 cannot be used. You can overdraw, and the overdrawn part can be repaid in RMB. Shanghai service hotline 95566. Basically, there is nothing wrong, except that if ETS is required to send more than four schools at a time, it will refuse to pay. According to the requirements of ETS, it is no problem to send four schools at a time. Because handling foreign currency is the strong point of China Bank, many people are willing to handle this kind of card.

American study abroad credit card: China Merchants Bank's international credit card.

A deposit of $500 was required before, but it may not be needed now. One card can be overdrawn in two currencies, and the overdraft consumption in US dollars can be repaid in RMB. You can use China Merchants Bank Card to repay automatically without going to the bank in person. Some consumption can accumulate Air China's flight miles. Not many people apply for this card, and the effect is not clear.

The cost of studying in the United States is relatively high, and it is more convenient for American students to carry credit cards. I wish you success in studying in America.

Question 3: How can international students apply for a credit card to get their first credit card in the United States? As an international student, because you have no credit history, income and permanent residence, you will face more difficulties than others who apply for a credit card for the first time. In order to be as successful as possible, you really need to do some work within your power. The following strategies will save you a lot of time and energy. As long as you follow these methods, you may get your first credit card in a few weeks. Strategy 1: Ask many schools and alumni associations in your school to provide branded credit cards for their students and alumni. These cards are standard credit cards issued by financial institutions affiliated to these schools. Don't forget to compare the interest rate with the terms of use before submitting the application. Strategy 2: Apply for a student credit card. Some credit card issuers will issue credit cards specifically for students. These credit cards do not require the cardholder to have income or work, but the credit limit initially allowed is generally low. Most students' credit cards do not include annual fees, and their APR (abbreviation of annualized interest rate) refers to the annual loan interest rate of credit cards. If you pay the balance you owe on time every month, you generally don't have to pay it back, that is, an interest-free loan; Otherwise, APR is applied to the outstanding balance of each month. ) is equivalent to a standard credit card issued by the same issuer. In addition to the low initial credit limit, student credit cards can also bring you convenience like standard credit cards, which is a good starting point for you to establish credit records. It is best to attach a copy of the student ID card to prove your student status. Some of the most popular student credit card issuers are: .americanexexpress.at &; Tuuniversal。 Bank of America. CapitalOne。 Wells Fargo Strategy 3: Open a senior bank account or investment bank account with credit card service. Some banking institutions provide a full range of financial services (including checks, investments, credit cards and payment services) under the same account. Such as American Express brokerage account, Chase's select bank, Citibank's Citibank Gold and Wells Fargo's portfolio management account. If you can keep a high balance, it is more economical to open an investment bank account than a standard checking account. Investment accounts can provide you with more choices and allow you to manage your financial assets better. Strategy 4: Apply for a secured credit card If all the above methods fail, you can apply for a secured credit card. Guaranteeing a credit card requires you to deposit an initial deposit in the bank account of the credit card issuer to guarantee the credit limit. Guaranteed credit cards have the same purposes as ordinary credit cards, are as convenient as ordinary credit cards, and have the same flexible payment methods. This kind of card is a good starting point card, which helps you to establish a credit record. Strategy 5: Start with other single-purpose credit cards such as shopping mall credit cards or gas cards. Many retail stores, such as Sears, Macy's and Circuit City, issue their own credit cards. A good way to apply for a credit card in a retail store is to buy bulk goods and choose a credit card payment method, so that your application may be approved within a few minutes to ensure that you can pay enough for the goods, and you can usually get some extra discounts when making the first transaction with the newly effective credit card. Using this credit card responsibly can also help you build a credit card history. Don't worry if your application is rejected. Federal laws, especially the Equal Credit Card Opportunity Act, require lenders to give written notice if they refuse your credit card application. According to this law, when your credit card application is rejected, the written notice must contain the following two important information: a. The specific reasons for rejecting the credit card application (or the methods to find these reasons); B if a credit report was used in making the decision, the name and address of the institution that issued the credit report. If your credit card application is rejected, you can take the following steps to increase your chances of success: Step 1: Find out the reason for your rejection. The lender will usually explain the reasons for rejecting your application in the rejection letter. If you don't know the reason for the rejection, you can ask for specific information. Sometimes ... >>

Question 4: If studying in the United States, what kind of credit card is the most convenient for international students? Credit cards in the United States are relatively developed, and credit card protection is also good.

There are two ways:

1. Apply for a credit card in China

Apply for a double-label card of VISA, MasterCard and AE, or a set of cards bound by UnionPay, or a single-label card with pure foreign currency (full currency).

It is best to apply for exemption from currency conversion fees, as long as it can save a lot of freight forwarding fees.

It's best to get a card that is often cashed back from abroad, which can save more money.

If you are afraid that you can't apply for a card without a work certificate, you can ask your parents to apply for the above films and one (or more) supplementary cards together, so that you can use the supplementary cards when you go to the United States.

In this way, your parents can also help you pay back the money in China, or you can pay back the money through online banking and mobile APP, which is very convenient, especially now it is more convenient than in the United States through third-party repayment channels, such as Alipay, WeChat, UnionPay wallet and so on.

Second, apply for an American credit card.

There are many credit card companies in the United States, with high thresholds and different services;

The review of credit cards in the United States is very strict, because the United States is a credit society, especially it will be relatively difficult to apply for the first credit card, and the amount will not be very high;

Credit card repayment in the United States is not as convenient as in China. Sometimes I go to the bank to queue up and even make an appointment for repayment.

If you plan to stay in the United States in the future, you can try to apply for a credit card in the United States, so that your credit history will gradually begin to exist, which will help you settle down and work in the future.

If you plan to return to China in the future, it is better to use a domestic credit card, especially if you apply for a supplementary card as a parent, which is not only large in amount, but also convenient for them to help you repay.

Question 5: What bank card should international students studying in the United States use? Take it easy! I am also abroad. Actually, I just need to apply for a credit card in China. Just make it clear to the lady at the reception desk that you need to go abroad to apply for VISA global access. I suggest that your parents remit money to your account in China, and then apply for an account in Bank of America, where you can withdraw or deposit it into a savings card. Just transfer the money remitted by your parents to your card. If you have any questions, you can add me Q. I am also studying in the United States. 408897569 Oh, yes, I use China Merchants Bank! achievement

There is no cheapest way. In fact, the cheapest way is to ask your parents to remit money to your card in China, and then you can come to the ATM in the United States to withdraw money. It's best to take the maximum quantity at a time, because the minimum quantity you take is also 2. 00 yuan withdrawal fee is 300 pages of 2 yuan, and then deposited in your card in the United States, there is no remittance fee.

Question 6: Which bank's credit card is better for studying in the United States? At present, only one bank is the best choice for studying in China: Bank of China (other banks have complicated and inconvenient procedures). And the services provided are not as much as those provided by the Bank of China. For example, personal checks and money orders can only be provided by banks in China. ) China Bank has financial services for studying abroad. Before going abroad, apply for "opening an account for overseas students in the United States as a witness" through the domestic acceptance institution of China Bank. After the information of the accepting institution of China Bank is approved, it will be sent to new york Branch for further review and account opening procedures. The main advantages are as follows: opening an international student account is free of any handling fee; Foreign students' accounts receive remittance free of charge; China Bank new york Branch You can also enjoy the services of China Bank new york Branch. Please look down and provide Mandarin and Cantonese services for international students. International students can enjoy a 10% discount on handling fees when remitting remittances from their accounts; Foreign student accounts can handle RMB pre-settlement, that is, directly convert US dollars into RMB and remit to designated domestic accounts; New york Branch provides debit cards, personal online banking and various deposit account services for international students. Deposit accounts include: personal checking account, personal current account (interest-bearing checking account), personal money market deposit account, personal current savings deposit account and personal time deposit account; The term of ordinary time deposit can be divided into one month, two months, three months, six months, nine months, one year, two years, thirty months and four years, and there are many terms to choose from. ? Free inquiry and withdrawal at the ATM of Bank of China, USA; ? Compensate the cardholder for the handling fee of withdrawing cash from other banks' ATMs once a month, and the amount shall not exceed $2; ? Free application, opening and replacement of new cards; ? Provide free counter service: with the card, you can handle a series of business services such as deposit and withdrawal, transfer and inquiry; ? You don't need to carry cash for consumption: you can use the card to spend in major department stores, supermarkets, post offices and merchants in the United States. ? The daily limit for debit card consumption and cash withdrawal is $500. Matching credit card is free of annual fee. But also has the function of online banking. You can activate your account by mail and notarization and apply for debit card and online banking services in Illinois. You only need to contact the sales department of Bank of new york by phone after entering the United States, and the salesman in the sales department will assist the customer to complete the account activation procedures. Customers only need to fill in the copy of the entry I-94 card, the copy of the passport and the account activation form of the Bank of New Zealand, and mail it to the Bank of New Zealand after notarization, so as to activate your account and handle debit card, credit card and online banking services. Moreover, the notarization service in America is very simple and cheap. Many pharmacies and banks provide notarization services, with prices ranging from $2 to $65,438+00. After receiving the activation materials and confirming them, the account will be officially activated. The Bank of New Zealand can provide temporary free checks for daily payments. The Bank of New Zealand can also draw a bank draft for your tuition and fees according to your requirements. For details, please refer to the website I provided below (Bank of China, official website). At the bottom of the page, there is a processing flow chart and an application form.

Question 7: What kind of credit card is better for studying in the United States for one year? Generally, a domestic credit card (with a primary card and a secondary card) is set up. . .

Then go there and get a local bank card. . . .

The relatively good banks in the United States are

Wells Fargo

BOA

Citibank

It is mainly to see what banks are convenient around the school.

Question 8: Some questions about handling credit cards and savings cards when studying in the United States. The landlord's question is very detailed, very good question!

It is very convenient to study in the United States and apply for a credit card in the United States.

When there is a theft, you can contact the bank as soon as possible. The bank will ask you a few questions according to the process, such as whether your bank card has been lost or lent to a friend. After the inquiry, the bank will directly return the stolen money to your bank account, but this money is called temporary credit, which is temporary. In the meantime, the bank will investigate the matter. If it is determined to be stolen, temporary credit will become permanent credit.

2. Credit card processing in the United States needs to consider two aspects. One is which bank has more outlets and ATMs in your school, so it is easier for you to withdraw money and handle business at school; Another is which bank in the United States has more common business outlets and ATMs, so you can withdraw money conveniently when you go to other States. Based on these two factors, if you go to school in the eastern United States, it is recommended to run JPMorgan Chase, and if you go to school in the west, it is recommended to run Wells Fargo. Personally, I prefer to chase.

Handling bank cards is not as troublesome as you said. Just bring some advance payment or check, your I20 and your passport. Tell them to open a student account with a debit card. Then deposit the advance payment or check you brought into this student account. The bank needs to see your student ID, that is, I20, and your identity information, that is, your passport. Very good! There are some rules and benefits in the student account, and the bank will explain them to you then.

4. American credit card is linked to your American account and has nothing to do with your domestic account.

In addition, students who have just come to the United States are not applying for credit cards, but a- debit cards, that is, ordinary consumption cards. Cary must have money to swipe her card. Credit cards need to live in the United States for a period of time before they can be processed after accumulating credit.

I hope I have answered the landlord's question and wish the landlord all the best!

Question 9: What kind of credit/debit card should my son apply for studying in the United States? It depends on which bank you own. Almost all banks have this kind of international credit card.

There are two kinds of cards: primary card and secondary card. You take the main card and your son takes the secondary card. The supplementary card can be used at home and abroad, and the main cardholder pays the bill. When used overseas, it will be converted into RMB at the exchange rate of the day for settlement. Generally, there is no extra charge for swiping the card, and a certain percentage of handling fee is charged for cash withdrawal.

Then bring some cash and open a local bank account when you arrive in the United States. There are many American banks, depending on which one your son chooses. You can transfer the money to your son's account by wire transfer or check. Generally, when the telegraphic transfer arrives on the same day, the handling fee will be charged.

In fact, it is ok to use a local card when spending outside, and there is no need to accept this card. But it is more convenient to use in an emergency.

Question 10: What kind of credit card is the most convenient for international students to apply for in the United States?

1. Discovery

What I recommend most in Heaven is Discover's card. Although it is a separate system with no visa and master's degree, it is not convenient to use in countries outside the United States, but the threshold for handling 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 credit cards are also common, but the application threshold is higher than Discover. The biggest advantage is the rich preferential activities. If you like delicious food, buy it at buy buy and go out to play, you must not miss American Express!

Step 3 catch up

Chase's credit card application conditions are slightly lower than others. For students who often 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 and mileage.

Benefits of using credit card for spending:

Credit card consumption is very common and convenient in the United States, and some online consumption even only supports credit card consumption. Credit card consumption 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 activities are that month. 5% cash back for food and beverage consumption, 5% cash back for refueling and 10% cash back for watching movies are very practical!

If you plan to stay in the United States for a long time in the future, accumulating credit points early 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 approval. After the approval, 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 history involved in applying for a credit card, students can consider getting a card in their own savings bank. With the deposit record, many problems can be solved easily.

Repayment method:

Generally speaking, money is transferred directly from the savings account. Therefore, it is necessary to bind a savings account, and the opening bank of the savings account will choose to be near its own school or address. If you go out to play, you'd better check whether there is your own bank along the way. I have met the situation that I can't find a familiar bank in other cities for a long time.

Credit cards processed in China:

It is inconvenient to use cash when I first arrived in the United States, and the new card has not been issued yet. What if it's swollen? I suggest you ask your parents to open a supplementary card for your 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 pay back the money at home. However, it is still a friendship to remind students to pay attention to moderation and rational consumption.

Matters needing attention:

Credit card theft is more common in America. It is suggested that students always pay attention to the consumption information of the card and keep personal information properly 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. Banks usually let students report the case first, and you can usually recover the stolen money by going through a process.

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