如何申请美国银行发行的信用卡

本帖由 kanata2013-11-06 发布。版面名称:美国购物

  1. kanata

    kanata 资深人士 ID:1124 管理成员

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  2. 工欲善其事,必先利其器. 去美国购物,最好申请一个美国银行发行的信用卡,有美国billing address, 这样就可以横扫所有购物网站,而不是仅限于Amazon.

    有很多方式申请,我先抛砖引玉,请大家补充.
    1. TD Bank 的用户
    TD多年前收购了一家美国银行,现在叫TD USA. 你去任何一个td Canada trust branch, ask for a flyer for TD USA. Then dial a 1-800 number, they'll send you documents to sign. Then you can get a REAL USA bank account and a USA debit card. This USA debit card can be used as a debit credit card. It's not real credit card since you need money in your bank account in order to use it. You can still use your Canada address.

    You can transfer money between TD USA and TD Canada online, this is the biggest advantage compared with other USA bank account.

    To go further, you can apply a credit card too. Since TD USA is part of TD Bank (Canada), so they can cross reference your credit history and decide to give your credit card or not. THE TRICK IS, you need an USA address in order to get the credit card. Otherwise your application will be declined.

    If you have friend or family member who allow you to use their address as billing address, it's easy. You only need bother them once in a few years since all the statement can be e-statements. You only need use their address when you get the 1st card and when you renew the card.

    If you don't have friend who can let you use their address, you can simply use the Fedex Shipping Center address in Ogdensburg. I prefer Fedex location because UPS store is always so crowded and 那里管事的老太太很mean. Fedex Store的老太太就很Nice,而且好说话很多.最关键的是,收信件不收费.
    Address:
    YOUR NAME
    1801 FORD ST
    OGDENSBURG NY 13669
    Tel: YOUR PHONE NUMBER

    Many USA stores only accept Credit card with USA billing address. If you don't have USA billing address, you'll lose a lot opportunities.

    2. 非TD BANK
    我估计其他Canada Bank也会有类似TD USA类似的分支机构,留待大家补充. 我这里说一下一个比较简单的做法.
    There is a bank called Key Bank in Ogdensburg USA (90km away from Ottawa).
    Address:
    Key Bank
    333 Ford St
    Ogdensburg
    Tel: +1 315-393-5440 ask for Scott (branch manager)
    需要文件:
    1. 护照;
    2. 加拿大的信用卡;
    3. 最近一个月的水费, 电费, property tax, phone 帐单 or other bills with your address

    他们也许说Canadian 没有online banking, 不要理他,你开好后给key bank 1-800打个电话就开通了.

    打个电话先问一下开户要求文件是否可以,带齐后一次搞定.这个银行里的人很好,但是很笨,很死板.你最好全部文件准备好后再去,否则浪费时间.

    You'll get a debit card which you can use as debit credit card.

    After you get the card, you can change your address to 1801 ford st, ogdensburg ny 13669 as well.

    在Ogdensburg还有很多类似中国农村信用社之类的小银行,但是只有key bank是相对大的(I mean the bank itself, not the branch).如果你愿意跑远点,可以去Syracuse去开户, Bank of America , Wells Fargo随你挑.
    IMG_0363[1].JPG
     
  3. mission

    mission 新手上路 ID:114618

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    如果这样写自己信用卡地址的话, 如何防止重名的可能呢?
    华人名字短, 重名概率挺高的.
    "YOUR NAME
    1801 FORD ST
    OGDENSBURG NY 13669
    Tel: YOUR PHONE NUMBER "
     
  4. kanata

    kanata 资深人士 ID:1124 管理成员

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    加个 English Name:
    Alex Yong Wang
    1801 Ford ST
    Ogdensburg NY 13669
    Tel: 613-234-5678
    你就每三年换信用卡时候需要邮寄卡到这里,其他时候用online statement.

     
  5. quing

    quing 知名会员 ID:25726

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    TD Bank 的用户可直接申请美元帐户及信用卡,不需美国地址。
     
  6. kanata

    kanata 资深人士 ID:1124 管理成员

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    你可以申请without USA address,但是如果你不改billing address to an USA address. You CAN NOT use this card in MANY USA websites. 你如果常在网上买东西, 你会遇到很多商店只允许美国billing address.

     

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