How to handle banking and telecom in English abroad?

Welcome! For customers without credit history, I'd recommend starting with a secured credit card. You put down a deposit, and that becomes your credit limit. It's a great way to build credit.

欢迎！对于没有信用记录的客户，我建议从担保信用卡开始。您存一笔押金，押金金额就是您的信用额度。这是建立信用的好方法。

The minimum deposit is $200, which gives you a $200 credit limit. No annual fee on our secured card. And the APR is 22.99% — but if you pay your balance in full each month, you won't pay any interest.

最低押金200美元，也就是200美元的信用额度。我们的担保卡没有年费。年利率是22.99%——但如果每月全额还款，就不用付利息。

Typically six months to a year of on-time payments. We'll review your account automatically and let you know when you're eligible to upgrade. At that point, you'll get your deposit back too.

通常按时还款六个月到一年。我们会自动审核您的账户，并在您符合升级条件时通知您。届时，您的押金也会退还。

Great score! We have two popular options. Our cashback card gives you 2% back on all purchases with no annual fee. Our travel card earns 3x points on dining and travel, but has a $95 annual fee. Which spending category matters most to you?

分数不错！我们有两个热门选择。返现卡所有消费返2%，无年费。旅行卡在餐饮和旅行消费赚3倍积分，但有95美元年费。您最看重哪个消费类别？

No foreign transaction fees on the travel card — that's one of its big perks. It also comes with a 50,000-point sign-up bonus if you spend $3,000 in the first three months. Those points are worth about $500 in travel.

旅行卡没有境外交易费——这是它的一大优势。而且如果您在前三个月消费3000美元，还有5万积分的开卡奖励。这些积分大约价值500美元的旅行。

The APR ranges from 18.99% to 25.99% depending on your creditworthiness. With your 720 score, you'd likely get the lower end. But like you said, if you pay in full, the APR doesn't really matter. Shall I start the application?

年利率根据信用资质在18.99%到25.99%之间浮动。以您720的信用分，很可能拿到较低的利率。但就像您说的，全额还款的话年利率其实不重要。要我帮您开始申请吗？