What you need is not a credit card.

But a bank account.

generally speaking

A savings account will have a debit card as a savings book a few years ago.

Prove that you are the account owner.

Used for withdrawal/deposit.

Passbooks help you record the expenses and income of your account.

If you want to receive remittances from Americans, you don't need to send remittances to Americans.

Just open an account in an ordinary bank, and you can deposit international currency.

I recommend the Bank of China.

They do more foreign trade.

It will also arrive faster.

Go to any sales office of Bank of China.

Tell them you want to collect dollars from America.

I'd like to open an account where I can withdraw US dollars.

Bring your ID card.

household registration

After opening an international account

Ask the salesperson for an account number.

Include a bank code.

Branch code and your own account number.

Tell Americans this string of numbers.

After his remittance arrived.

Find another account

transfer accounts

If you don't need money.

It can also be used as time deposit or structured deposit.