American travel credit card

What bank's credit card should I use to travel to America?

1, the best choice is the set of cards or single-label cards of VISA and MasterCard of banks and UnionPay. (Because VISA and MasterCard have the highest penetration rate in the United States. ), it is best to choose VISA and MasterCard cards without currency conversion fee, otherwise the currency conversion fee of the cards will be 1.5%. \, it is best to choose overseas (including the United States) credit cards and certain cashback VISA and MasterCard cards, which can save money. The Dalai Lama of ICBC is not bad, but there are not many POS machines that support the Dalai line. If you want to apply for ICBC's credit card, you can choose ICBC's "Global Travel Credit Card". VISA and MasterCard can choose, and there is not much difference.

How to pay by credit card when traveling to America?

Banking industry insiders said that the credit card environment in the United States is different from that in China. If you only have a bank card with UnionPay logo before traveling to the United States, you need to know some knowledge about using the card in advance to avoid unnecessary trouble for yourself. Even if you have a credit card with a VISA or MasterCard logo, I believe the following contents are still helpful to people who come to the United States for the first time.

At present, merchants who have opened UnionPay card acceptance business in the United States only accept UnionPay debit cards, but debit cards and credit cards can be cashed out at American ATMs that have opened UnionPay card acceptance business. However, the cash withdrawal by credit card requires a higher cash advance fee. At present, according to the national foreign exchange management regulations, each debit card can withdraw US dollars equivalent to 5,000 yuan per day.

Debit cards are used for spending and withdrawing money. The exchange rate is the selling price of domestic banks' US dollars against RMB on the transaction day, which is directly converted into RMB and deducted from the card. In addition, when you use a debit card to swipe your card, you only need to enter it, and you don't need to sign a shopping list. Using a debit card to swipe your card, some merchants can get gifts and cash back.

The credit card environment in the United States is very different from that in China: most merchants in the United States have not posted signs accepting bank cards, but merchants can basically use UnionPay debit cards as long as they have keyboards that can be input; As long as there are any signs of UnionPay, PULSE and Citibank on ATMs in the United States, you can use UnionPay cards to withdraw money, and many ATMs have been equipped with Chinese operation interfaces. When using ATM to withdraw money in the United States, in addition to the formalities charged by domestic card-issuing banks, American ATM operators will also charge a certain service formalities fee, but the ATMs of Citibank, PNC Bank, United Bank (UCB) and Chase Bank will not charge this fee. The ATM operation in the United States is slightly different from that in China. You need to insert the bank card into the card slot and then take it out, and then the ATM screen will have an operation interface. If you don't take it out, you can't operate it.

At present, more than 200,000 ATMs in the United States have accepted UnionPay cards (including debit cards and credit cards), and key tourist cities such as Los Angeles, San Francisco, Hawaii, Las Vegas, new york and Washington can use UnionPay cards to spend money at merchants and withdraw money at ATMs.

Most well-known brand stores and large department stores frequented by China tourists have also accepted UnionPay debit cards, such as GAP, BananaRepublic, AnnTaylor, Guess, DFSGalleria Duty Free Shop, Macy's, Bloomingdales, Nordstrom, Sears, Costco, BarstowOutlets and so on.

Finally, remind visitors to the United States that it is best to get a VISA or MasterCard brand credit card with a US dollar account before going to the United States. In any case, it is the most convenient and affordable to use this credit card in dollar countries. In addition, American Express traveler's checks are also an option. You can buy directly from domestic banks before going abroad.

202 1 American visa credit card

202 1 American visa credit card is 16 digits. The number 1-6 indicates the BINNO of the issuing bank, the number 7- 12 indicates the serial number of the user card, and the number 13 can distinguish the main card. If it is 0, it indicates the main card; if it is 1-9, it indicates the secondary card, and the number 14 indicates the card.

1.202 1 American visa credit.

VISA card is embossed with sixteen digits, which consists of four groups. The number of the first group is fixed at four digits. Guangfa Bank VISA True Love Card gold card format: 40636688888888. China merchants bank ELLE co-branded credit card VISA white format: 43922688888888. Industrial Bank VISA standard dual-currency platinum credit card format: 48686 1888 88888. ICBC VISA Peony Travel Alliance Card Format: 42703088888888. China Construction Bank VISA truck card format: 4367458888888.

Second, the role of credit card security code

In the early years, credit card security codes were mainly used for shopping on overseas websites. When shopping on overseas websites, you don't need to provide a password, just provide credit, expiration date and security code to complete the transaction. In recent years, some businesses in China have begun to use security codes instead of passwords for payment. For example, in JD.COM, most airline tickets and hotel reservations also use security codes for online payment.

To sum up, how to prevent the user's credit card security code from being leaked? First of all, when you swipe your card outside, be careful not to let others easily see the user's credit card security code. If you are afraid that the security code will be leaked, you can block the security code with adhesive tape. Secondly, if you use the credit card security code in online shopping, remember to clear the credit card information automatically retained by the website.

What are the benefits of American Express Card?

1. Tourism advantage: American Express card has an advantage in the consumption of tourist merchants. If the flight or baggage is delayed during the tour, the cardholder can enjoy or compensate for it free of charge, and can spend it normally at home and abroad. Shopping at home and abroad is barrier-free, and it is very convenient to settle, record and repay consumption in RMB.

2. Supermarket cashback: The cashback amount of cardholders when shopping in the supermarket is much higher than that of ordinary card users.

3. Flexibility: If the purchase amount exceeds the balance in the card, you can directly call the customer service phone in the card for processing.

1. What is an American Express card?

1. American Express Card is a credit card made in America. It is easy to identify and mainly serves high-end customers. It has been launched for a hundred years. We have reached cooperation with a number of institutions to jointly issue Peony American Express Card, China Merchants Bank American Express Card, CITIC American Express Card, Great Wall American Express Card, Minsheng American Express Card and other credit cards.

2. American Express Card is the first card issued since 1958. Up to now, American Express has issued American Express cards in 49 currencies in 68 countries and regions, and built the world's largest self-contained special merchant network with more than 60 million high-quality cardholders.

Second, how to apply

You can apply online or over the counter.

1. online application: the process is simple, convenient and fast, and the card is the fastest. The disadvantage is that the available materials are limited and the application amount is low. For example, applying for Ping An American Express Yao Hong Card, a relatively basic credit card, can be handled by providing basic information directly through official channels. This card is a RMB settlement credit card. Cardholders can use it all over the world. Accessibility for shopping at home and abroad. For those who want to travel abroad, there is no need to apply for a card. 2. Counter application: The process is relatively complicated, and the processing time varies from 15 working days to 3 months. When handling, you can provide more financial proof materials, such as personal deposits, real estate, automobile production certificates, etc. For example, if you apply for a credit card with platinum or above, you need to provide more information. It is suggested that you can go to the bank for specific requirements.

Three, American Express card application conditions mainly include:

1, aged between 18 and 60 years old, has a stable job and a stable source of income.

2. Prove that you have the ability to repay the loan or sufficient collateral (real estate, cars, stocks or securities, etc.). ).

3. Personal credit record is good and there is no overdue record.

4. Have valid identification, such as ID card and household registration book.

Operating environment: Apple 12ios 14, Baidu 12.29.5. 10.

Which bank's credit card is better for going to America?

It depends on your purpose and consumption habits.

One: Let's talk about the direction of studying abroad:

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 to UnionPay, or a pure (all-currency) single-label card.

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.

Step 2 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.

Second, for the purpose of tourism.

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

1. It's better to get a card that is often cashed back from abroad, so as to save more money. For example, China Merchants' all-currency VISA card, MasterCard and AE card.

2. Of course, it also depends on your information and assets. If you meet the requirements, you can apply for a high-end card, which has many courtesy and activities. For example, Pufa AE Platinum Card, Pufa AE Super Platinum Card (with many years of overseas cashback activities), and diamond cards and unlimited cards from other banks.

It depends on your own needs and hardware.

What bank card should I use to travel to America?

Use dual currency cards, Visa, MasterCard and American Express when traveling in the United States.

China UnionPay reminds that it is more convenient and more affordable to swipe a debit card than a credit card in the United States. Debit cards are used for spending and withdrawing money. The exchange rate is the selling price of US dollars against RMB in domestic banks on that day, which is directly converted into RMB and deducted from the card. Therefore, tourists do not need to deposit US dollars before going abroad, but only need to deposit enough RMB.

In the United States, most banks have no restrictions on opening cards, and a few banks need 17 years old. If they are not old enough, they need to sign a guardian. To open an American credit card, you need to provide the following information:

1. Passport

2. American F- 1 student visa

3. Form I-20

4. Student ID number

5. School Admission Notice

6. Address, telephone number and school

6. Social Security Number (Credit Card)

Extended data:

The difference between American bank card VISA and MasterCard;

Every credit card issuer has its own advantages. VISA and MasterCard are both card issuers with a long history and have a strong influence in the world. VISA is more popular in the United States and Asian countries, while MasterCard has a larger market share in Europe.

When you are in consumption abroad, if you go to a non-US dollar area, you can try to settle in local currency, and then convert it into RMB when you return to the local currency. If the settlement is made in US dollars, the local currency will be converted into US dollars, and the RMB will be converted into US dollars, which requires a double currency exchange fee.

At the same time, if you can use the UnionPay channel for consumption, try to choose the UnionPay channel, which can save a lot of money exchange expenses.