Everybody GOES TO THE United States TO STUDY ABROAD EACH RESPECT NEEDS TO USE MONEY, BUT ALSO CANNOT OFTEN TAKE CASH ON THE BODY, HAD BETTER DEAL WITH BANK CARD, HOW SHOULD CHOOSE BANK CARD?
Here for you to introduce the types of American bank cards, you can have a look.
1) The main purpose of the checking account is to spend money, so there is generally no interest, users can use this account to pay tuition fees, phone bills, online shopping, writing checks, etc.
In the United States, online banking is very common in daily life, such as online shopping, ordering food, buying books and so on.
2) saving account This is the main account for saving. It pays interest, but it is not often used for spending.
You WANT TO LOG ON THE NET BANK OF EACH BANK ONLY, BASICALLY CAN TRANSFER MONEY BETWEEN CHECKING ACCOUNT AND SAVINGS ACCOUNT THROUGH SIMPLE OPERATION ON THE NET.
Credit card from the application, spending and repayment, credit cards are relatively more troublesome than debit cards, but the biggest advantage is that you can advance.
Americans, who spend most of their money on credit cards, can be big advocates of the “spend now, pay later” concept.
Credit cards are cumbersome and not very successful. They are only one way to pay for purchases. Most credit cards also require an annual fee.
The bank account opening process in the United States is basically the same as that in China. It is necessary to fill in the form, show the identity card, deposit the basic amount, set the password and other procedures.
It is important to note that the address you leave should be the address where you can receive mail.
Note when opening an account: ¢Ù First of all, we should compare the charges and convenience of each bank. Do you want Monthly fees and Minimum balance?
If you use a non-bank card to withdraw money from an ATM, do you charge a transaction fee (some banks charge $2 per transaction)?
¢Ú Minimum opening amount, minimum balance limit.
¢Û A per-check fee for each use of the check.
A per-transaction fee for each transfer.
¢Ü When you open a checking account and a savings account at the same bank, do you transfer the money from the savings account to the checking account automatically when the checking account reaches the lowest balance?
Third, the study in the United States credit card service shopping guarantee (BuyerProtectionorBuyerSecurity) this kind of service refers to the consumers in the ninety days shopping in case of goods damaged or lost, stolen or fire accident reason, such as can hold the original shopping receipt to the issuing bank request free repair, update, or a refund, or to stop
Consumers are required to lodge a claim to the card issuing company within 45 days of loss or damage. If they ignore the time limit, they may lose their rights and interests.
Extend the shopping guarantee fixed number of year (ExtendedWarrantyorBuyerAssurance) general merchandise such as TV, computer…
And so are accompanied by the original manufacturer to provide a guarantee, such a guarantee for most after-sales free maintenance services.
Consumers are often encouraged to purchase an extension of the service offered by the store in addition to the original warranty.
If casualty (TravelAccidentInsurance) is to buy the ticket by credit card or other transport fare, when traveling abroad, ranging from fifty thousand to two hundred and fifty thousand can be obtained in coverage of the insurance guarantee, card issuers different high and low, detailed access card protocol.
Collision, loss, damage and theft insurance is available when you pay your car rental with a credit card. This will save you an average of $10 to $13 per day on car rental insurance. However, the duration of your car rental is usually not more than a month.
The amount of insurance and compensation provisions are different for each card issuing unit. Before renting a car, you may wish to ask the credit card issuing unit clearly.
The Bank of America is one of the most common banks in the United States.
First of all, there are more outlets, basically in work, shopping malls and schools have outlets.
Its multilingual service, with the choice of Chinese at ATMs, makes it easier to operate.
In ADDITION CAN BE DEPOSITED IN BoA ABOUT 10 THOUSAND DOLLARS TO APPLY FOR THE CREDIT CARD OF BoA, NEED TO LOOK FOR Banker, THEN NEED NOT SSN TO BE ABLE TO ENTER THE DOOR OF THE CREDIT CARD.
Jpmorgan Chase Bank is a major commercial bank in the United States. Its headquarters is in New York, and there are many ATM machines in big cities, which is very convenient to use. At the same time, it is also one of the first choice of many overseas students.
Citibank has a good reputation, but its only disadvantage is that it has few branches. It can be found almost in big cities, but almost none in small cities.
It should be noted that there are almost no rewards for basic accounts, but there are often rewards for advanced accounts, so those of you who value the rewards for opening accounts should pay attention.
Wells Fargo Bank should be widely familiar to everyone, because most universities in the United States are far away from the cities, so Wells Fargo Bank can be said to be the standard bank in every village.
And every day, Wells Fargo Everyday Checking accounts offer occasional bonus checks.
There are also fewer restrictions on opening accounts, and the ATM also has Chinese service, which is popular with many international students.
