Apply for a credit card in the United States share tips

1. The student card
Just come to the United States without credit record, there are a variety of reward card is difficult, can consider from the student card or no reward card of the most common.In general, if you have already opened a checking or savings account in a bank, the probability of "card to his house.But personally recommend Chase and Citi two student card, are more popular and relatively Yi Shen.The former card is basic, the latter with luck "to have cashback.First line may be low, but it doesn't matter, "to use a little bank immediately after to give you up.Do not recommend the first one is "the AMEX, or Discover, difficulty is relatively large, and not all businesses are accepted.

Recommend another reason for the two student card is to use a few months later can call the bank instant upgrade to better issued by the bank card.Such as Chase Freedom, and Citi Dividend, are relatively good cashback card, will be mentioned below.Direct upgrade the benefits of a risk is low, need not apply again, the second is don't need to cancel the original card (card number will be retained), such credit history will still be from the first card and will not rub off with this card to cancel (some say within seven years all card record will keep).Although the history of the long run this a few months may not what, long a point nothing bad, ha ha.

Directly to upgrade and bad place, of course, is that if just upgraded the card open an account in providing bonus, upgrade the user is not...Used to Chase and Citi had to open an account to send 250 generosity, but now the economic malaise, sending 100 are numbered...Good, student card, you said it

2. The cashback credit card
Cashback means you use card consumption, a certain percentage of the bank return your money.Here only choose a few popular card with no annual fee about reward.
Citi Dividend: stable.Normally is the inner supermarket accounts later, gas stations, convenience stores, and consumption of water and electricity fees to 5% cashback, after the four types of 2%, other consumption 1%.Recently doing account within three months in the four categories of consumer to 10% cashback, in its form.

 Update (March 2009) Citi MtvU, Citi Forward: the Forward is new, and very popular MtvU card like in the past, is in the food and beverage, book (it is said that Amazon consumption can be classified as category), on film and so on a consumer return 5 points' Thank you points.Forward card is very interesting, in addition to open an account to send 11000 points, will there be any reward points of credit behavior, when the monthly repayment on time, keep a good record, a month can have 100 points' Thank you points.MtvU are more students, with good GPA can exchange for reward points.Two are all very good popular card, personal like Forward some more.

 Chase Freedom: flexible type.It daily consumption into 15 classes, like what supermarket, restaurant, gas, water and electricity, film, beauty ah, traffic, and so on.The bill every month when it your consumption sum up, this month in the 15 class you consume most of the 3 categories, give us a 3% cashback, other 1%.If you have a checking account at the same time in the Chase, to increase to 3% cashback category to 5 classes.And when you saved 200 block cashback, can redeem into 250, that is usually 3% of the actual equivalent to 3.75% cashback.If you use this card some focus on consumption, cashback amount should be more than Citi Dividend.

 In November 2008 (update: this card policy change, no longer has the Freedom of the flexible customization and only a few fixed categories have cashback, less fun, a bit similar to Discover, please see below introduction to Discover card.)

 Discover More: guerrilla type.This card in a specific category for 5% cashback, best categories are different but each quarter.In the first quarter of this year, for example, is the air tickets hotel and car rental, and fashion household is in the second quarter, third quarter is refueling and hotel, in the fourth quarter is our most commonly used supermarket restaurants and movies.Other categories to 1%.The card looks relatively common, instability and more restrictions.But if and flexible Chase Freedom together to use, also is right choice.Such as in the current quarter 5% discount categories used in the Discover, other with Chase.A Discover card advantage, and from catering to fashion to the movement and so on numerous various online stores have the cooperation, even the last payment via Discover internal connection with different proportions of cashback, its proportion tend not to lose Fatwallet, and more convenient than Fatwallet because can return directly to the online account and there are a variety of ways to convert.This card has a for the function of the young people like, can from the 150 figure Optional info is design, it can even choose more card variety:)

 Discover Open Road: apparatus.Refueling and car maintenance for 5% cashback, other 1%.Not suitable for individual use, best and cooperate with other CARDS that offer common categories.

 American Express TrueEarnings: exclusive apparatus, Costo member no annual fee.3000 annual oil fee to below 3% cashback, partly more than 1%, 3%, restaurant tourism 2%, other 1%.People have a Costco card "this do oil card is very good.

 American Express Blue Cash: no sweet without sweat.All consumption only 1% cashback first year, and if consumption reached 6500, the first year after the second year and almost all consumption is 5% cashback!Very good CARDS, but more suitable for consumption more person or couple, I am a year spend so much...Mainly some big spending such as can't use card to pay the rent, ha ha.

 (May 2011 update: now this card terms and conditions change, the ordinary version has no annual fee, supermarket 3% cashback, refueling and department store2 %, 1%, and other more popular; premium fee 75, account opening two months of spending 500 to 500, the supermarket cashback increased to 6%, refueling and department store up to 3%. The specific terms and conditions may change over time, "please go to the website before you find out.)