Credit Cards
You may want to apply for a bank credit card. You need to have a satisfactory “credit rating” in the United States in order to get one of these cards, so they can be difficult to obtain when you first arrive.
By using these cards you receive a monthly bill for your purchases. It is important to pay the total bill by the date on the statement. Otherwise, you will be charged interest (usually between 14% and 21%). Many credit card services also charge a yearly fee. You should check the amount and select the card with the lowest annual fee and lowest monthly interest rate. The most common bankcards are VISA, MasterCard and American Express, and they can be used in most stores, restaurants and hotels.
