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What bank card should I get when traveling to the United States?

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 withdraw money at Wal-Mart, 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 bank card is best to apply for in the United States? If you are going to study abroad, it is best to apply for a local Citibank card (City Bank). If you are traveling, you can bring a UnionPay card, Visa or MasterCard. This will be more convenient. Hope it's useful to you.

Question 3: What kind of bank card is good to apply for in the United States? VISA or MASTERCART are all acceptable. It mainly depends on where you go. How about applying for a bank card from a local bank?

Question 4: Me If I want to study in the United States, what kind of card should I get in China so that I can use it in the United States? This guy in Wuhan doesn’t know how to give blind guidance to others.

First of all: If you just use a Chinese credit card in the United States, there are no handling fees! I've always used it this way. I used the China Construction Bank Dragon Card credit card. Before I left China, I went to the bank counter to apply for online banking and applied for automatic credit card repayment. Every month, the RMB in your Dragon Card will be automatically converted into U.S. dollars at the day's price to repay the credit card. You can use your Chinese credit card to make purchases at any place that supports VISA or MASTER credit cards, such as supermarkets such as Walmart that you frequently visit. Including tuition payment, as long as the other party supports VISA/MASTER.

Secondly, when you arrive in the United States, you can carry cash with you less than 10,000 U.S. dollars without declaring it. This is the allowed limit. After arriving in the United States, you can open an account at any bank, such as CHASE or BOA, which are also good. This bank card is called a debit card, which is equivalent to a domestic debit card, not a credit card. At the same time, the bank will give you a check book. Payment can be made by check or from online banking. Of course, you need to bring your passport and I-20 (for students), and then deposit your cash, including money from your future part-time jobs. When you need to withdraw cash, just use this American card and withdraw it at the counter or ATM machine without any fees.

Third, when you stay in the United States for more than a certain period of time and accumulate some credit, you can apply for an American credit card. After I stayed there for a few months, a credit card company sent me an application form and asked me to apply for a credit card. Initially, my credit was relatively low and the credit limit given was relatively small. However, you can slowly accumulate credit and over time you can apply for it. Add limit, which is the credit limit.

If you don’t understand, you can send me a message and ask.

Question 5: Which credit card to use when traveling to the United States is actually the same, but to be precise, private commercial banks are better than the four major state-owned commercial banks in terms of online payment, such as China Merchants Bank\Minsheng\Huaxia, etc. It's pretty good, but China\Agricultural\Industrial\Construction is worse

As for you abroad, as long as it's a dual-currency credit card, it's the same, because domestically issued UnionPay dual-currency cards have VISA or The MASTER logo is mainly seen in VISA or MASTER abroad. UnionPay is only commonly used in Southeast Asian countries or regions such as Hong Kong and Singapore, but is rarely used in other places

Hello !No matter which bank it is from, V and M should carry at least one each, and put at least one more in the big bag to prevent the bag from being lost. In addition, Hua Xia Bank’s debit card is free of charge for the first overseas cash withdrawal every day!

Question 6: What credit card is best to use when going to the United States? Hello, if you have a credit card from our bank, if you hold a credit card from our bank with the VISA, MASTERCARD, JCB or American Express logo on the card, it can be used overseas (including Hong Kong, Macao and Taiwan) (including online payment). Credit card purchases overseas through international lines will be settled in U.S. dollars. If the consumption amount is non-U.S. dollars, there will be an exchange fee between the two currencies, which is 1.5% of the transaction amount. If the consumption amount is in US dollars, there will be no foreign exchange settlement fee.

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 cards are the same, but they use different card payment routes abroad, have different special merchants, and have different promotions.

If you have other questions, please add QQ corporate customer service 4008205555 or look for the WeChat public account "China Merchants Bank Credit Card Center" and add it.

Question 7: I want to go to the United States. Can debit cards issued by domestic banks be used freely in the United States? The use of domestic debit cards abroad is not very convenient and relatively limited. I suggest you buy some American Express travellers’ checks. Not only are they not subject to customs restrictions, they are also very convenient to use around the world. They can be used to pay for various products and services in designated stores, restaurants and hotels. You can check their official website.

Question 8: How to use Chinese bank cards in the United States? China’s UnionPay cards can be inserted into the ATM teller machine of almost any bank in the United States, enter the Chinese password, and withdraw cash and US dollars from the card’s Chinese account. There may be a limit to a maximum of two times a day (0:00~24:00 Beijing time), each time not exceeding US$600. Some U.S. banks limit transactions to a maximum of $300 per transaction and a maximum of two transactions per day. But you can switch to another bank. Bank of China may automatically convert the RMB in the card into US dollars and deduct it from the annual exchange settlement amount of US$50,000 per person. Additional handling fees will be charged. Bank of America does not charge a fee, but it is calculated in the exchange rate. Also look at Bank of China’s daily currency exchange limit for the card.

Question 9: If my son goes to study in the United States, what kind of credit card/debit card should he get? It depends on which bank you have. Almost all banks have this international credit card.

It is divided into primary card and secondary card. You take the primary card and your son takes the secondary card. The secondary card can be used at home and abroad, and the primary cardholder pays the bill. When used overseas, settlement will be made in RMB based on the exchange rate of the day. Generally, there is no additional fee for swiping a card, and a certain percentage of handling fees is charged for cash withdrawals.

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

In fact, you can just use local cards when spending money outside. There is no need to collect this kind of card. But it will be more convenient for emergency use in the future.

Question 10: When going to the United States, should I pay with a credit card or bring some cash? It is definitely better to pay with a credit card.

The United States is a big country of credit cards. Credit cards cover almost every corner where consumption can be made. If you use one (or more) credit cards that can get cash back when swiping cards overseas, it is not only safe but also saves money. Pay a lot of money;

Although the United States is a legal society, the security is not as safe as in China. In many cities in the United States, if you go out alone at night, you will worry about encountering robbery or other crimes. But in In most parts of China, you basically don’t have to worry about personal safety if you go out in the middle of the night, so carrying a large amount of cash in the United States is definitely very dangerous.

Everyone has a certain limit on foreign exchange purchases every year. If you go to the United States to spend a lot of money and plan to exchange for U.S. dollars in advance, you may need to use up the entire year's foreign exchange purchase quota in China. There are no restrictions on using a credit card. As long as your card limit is enough, you can use as much money as you want;

Credit cards are registered property, and the credit card industry in the United States is very developed. Even if you lose your card, others can use it for you. The possibility of using a card is also very small, because in the United States, purchases are based on signatures. Merchants will generally check whether the signature after the signature column is consistent with the signature on the POS receipt. If they are inconsistent, they will reject the payment and may ask them to present a valid ID. If they are inconsistent, They may even call the police, especially if you are Chinese and your signature is also in Chinese. If a foreigner picks up your card, it will be difficult for you to take notes and sign your name in Chinese. Cash, on the other hand, is anonymous and difficult to get back if you lose it;

In summary, when going abroad, especially in developed countries, using a credit card for consumption is the first choice, and you only need to carry a small amount of cash.