A guide for new students studying in the United States: how to apply for a credit card

Credit card application channels for American freshmen studying abroad:

Special application of students

Students' credit card market has been paid more and more attention, so students' applications can often be seen on the school bulletin board. Applications often require a student ID card, registration certificate or tuition bill to be attached to the application, and some also require the school registration department to stamp to show that the student's identity is correct. It is easier to get approval because of the relative proof of the identity of the school or student.

Second, bank account, apply for a credit card.

In major cities in the United States, there are many banks, which deal in all kinds of businesses. In addition, banks attach importance to new immigrants and student consumer groups and encourage them to open accounts and deposit in banks, so they will not give high credit lines at once. But this is a good chance for new immigrants and students with no credit history to win credit cards. New immigrants and international students should take the initiative to consult local banks, and don't miss it easily.

Third, choose a department store shopping credit card that is easier to apply for to establish personal credit.

General department stores will give gifts from time to time during the promotion period to encourage applications. Although this card is only used by department stores, it is used to stimulate consumption when the department store industry is depressed, and the credit limit is not as good as that of ordinary credit cards.

High, so the audit scope is wider, and it is easier to obtain their credit cards, thus establishing personal credit records. Once the credit is established, you must keep a good credit record and use this card as a springboard to apply for other credit cards in the future.

Four. Find a co-signer to assist in the application.

For those who are unable to apply for credit due to lack of credit information or income, it is best to use an application form signed by a co-signer, who is preferably a relative or friend with a good credit record, in order to ensure repayment responsibility without repayment. Credit card companies are more willing to issue cards to such applicants without lack of money. After the credit is established, try to apply for establishing personal credit independently, without guarantee.

Verb (abbreviation for verb) uses mailbox information.

Once the personal credit record is established, the credit card application form will even be sent to the mailbox on its own initiative. Most of these applications are advertised as pre-approval. However, individuals can weigh their own needs and the above factors and decide whether to apply. There are few cases of refusal.