CITIC Bank has few outlets, so repayment is very troublesome. And its withdrawal fee is 3%, which is 3% of the withdrawal amount. The minimum amount is RMB 30 yuan, USD 3 yuan and HKD 30 yuan, which are very expensive.

I still recommend you to apply for the Zhuojuan Card of China Bank:

Bank of China Great Wall International Zhuojuan Card is divided into two currencies: US dollar and Euro, which enjoy all the functions of Great Wall International Card, such as interest-free overdraft period, and can earn 1.5 times of consumption points for credit card consumption and cash withdrawal. Cardholders can enjoy the Chinese service of the 24-hour overseas student inquiry hotline (collect), and the inquiry scope includes the telephone number and address of the embassy, the address of the bank and the business it accepts, the inquiry of car rental and auto insurance, the timetable of transportation, the inquiry of hospitals and clinics, etc. In addition, parents of young children studying abroad can also set the consumption quota of supplementary cards in their children's hands in advance, check the monthly consumption statement through the main card and monitor their children's expenses. Any resident who holds the card can purchase foreign exchange in RMB in whole or in part to repay the foreign exchange overdraft formed after using the card abroad.

This card is specially designed for international students. Moreover, BOC has many branches in the United States and a clearing center in new york, which is most suitable for you to go abroad.

Zhuojuanka processing flow:

I will give you the official version first-

In order to ensure that the application is convenient and quick, please ensure that the following conditions are met, and attach a copy of the following information when returning the application form:

1. Those who have to study abroad or their children have to study abroad;

2. Proof of studying abroad must be provided, such as the formal admission notice of the institution, the bank receipt of the first tuition fee, and the confirmation letter of the institution's payment.

3. If you can't provide the admission certificate of an institution, you can use other documents instead, such as the certificate of the applicant's choice of an institution, the documents issued by the embassy, the documents of the agency's application for admission, and the documents of overseas institutions requiring the applicant to pay the deposit or registration fee.

4. Parents need to provide the following documents when applying for the master card:

Proof of the current permanent address in the name of the applicant: such as the applicant's household registration book, water, electricity, coal, telephone charges, property management fees and other bills in the last month;

Any income certificate in the name of the applicant: personal income tax bill (for three consecutive months), salary slip/passbook/bill issued by the work unit (for the last three months), and original income certificate stamped with the seal of the unit;

If the repayment is made by automatic transfer, please provide the current passbook opened in China Bank ("All-in-One Current Account");

If the applicant provides his valid real estate license, his motor vehicle driving license, time deposit certificate issued by the bank and other information, it will be helpful for examination and approval;

5. The identity certificate of the main card applicant;

6. If you apply for supplementary card at the same time, please provide the identity certificate of the supplementary card applicant.

My personal advice is—

In fact, it is no different from ordinary credit cards. Considering that you may not have income yet, you can ask your parents to get a Zhuojuan card or a supplementary card.

Applying for a credit card generally requires proof of identity, proof of residence and proof of financial resources.

However, according to the cardholder's work situation, there are various simplification methods.

For example, civil servants, teachers, lawyers, doctors, bank insiders, and employees of the world's top 500 companies, a copy of ID card and work permit is enough.

There is a credit card from another bank, and a copy of the credit card+a copy of the ID card is enough.

Give you Zhuo Juan card's website:

. Hong kong /GBC/chs/aboutus_03.htm

I don't know which state in the United States you study in. I'll give you the contact information of the Bank of China in the United States, and you can go to the Bank of China for help. Most of them are China employees who can speak Chinese:

New york branch

New york branch

4 10 Madison Avenue, new york,

New york, USA 100 17

Tel: (212) 9353101.

Fax: (212) 5391831

New york huabu branch

New York Chinatown branch

42 East Broadway, new york,

New York, USA 10002

Tel: (2 12) 9252355

Fax: (212) 4316158.