How do I get a full-functioned American CREDIT CARD.
	To set up a bank account in the U.S.A. is not a big deal for foreigners. And as you got a bank account, you'll easily get a DEBIT CARD. The DEBIT CARD carries the VISA CARD or MASTERCARD logo and you can make purchases in shops without cash - paying with "plastic". All cashier will ask you "debit or credit" because the billing amount will be deducted directly from your bank account in case of a DEBIT CARD. Furthermore, the DEBIT CARD grant you only a specified credit limit, e.g. $ 1000 - even if you have a balance of $ 3000 or more on your account. If you exceed your credit limit, high interest of 20% and more shall accrue. Your bank account itself must, of course, never go into the red figures. The procedure to get the full-functioned CREDIT CARD is similar to the DEBIT CARD. The following information we got from the BANK OF AMERICA in January 2012. As the owner of an American bank account you have to apply for a secured CREDIT CARD. In general, the "secured CREDIT CARD" is the same like a DEBIT CARD (see above). There is the same limitation to a specific credit limit (eg $ 1000), but you should always have a much greater balance in the bank account to cover it. If there is no trouble regarding your CREDIT CARD for a year, the bank will convert the secured CREDIT CARD into a full-functioned CREDIT CARD. Status: FEB 2012
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