{"id":27660,"date":"2025-11-26T09:43:39","date_gmt":"2025-11-26T14:43:39","guid":{"rendered":"https:\/\/website-new.qa.mpowerfinancing.com\/zh\/blog\/credit-cards-for-f-1-students-how-to-get-approved-and-use-them-smartly"},"modified":"2025-12-02T09:31:49","modified_gmt":"2025-12-02T09:31:49","slug":"credit-cards-for-f-1-students-how-to-get-approved-and-use-them-smartly","status":"publish","type":"post","link":"https:\/\/www.mpowerfinancing.com\/zh\/blog\/credit-cards-for-f-1-students-how-to-get-approved-and-use-them-smartly\/","title":{"rendered":"F-1\u5b66\u751f\u7684\u4fe1\u7528\u5361\uff1a\u5982\u4f55\u83b7\u5f97\u6279\u51c6\u5e76\u806a\u660e\u5730\u4f7f\u7528\u5b83\u4eec"},"content":{"rendered":"<p class=\"c0\"><span class=\"c2\" style=\"font-weight: 400\">As an international student in the U.S., using a credit card responsibly can help you build a strong financial foundation. But getting approved for one without a credit history, Social Security number or U.S. income can feel confusing.<\/span><\/p>\n<p class=\"c0\"><span class=\"c2\" style=\"font-weight: 400\">The good news is that some credit card issuers are open to F-1 students, and there are smart ways to use a credit card that can improve your financial future. Here\u2019s how to get started.<\/span><\/p>\n<h2 class=\"c8\" id=\"h.xmdlwi1dwgu5\"><span class=\"c3\" style=\"font-weight: 700\">Why F-1 students might want a credit card<\/span><\/h2>\n<p class=\"c0\"><span class=\"c2\" style=\"font-weight: 400\">Having a credit card can be helpful for more than just emergencies. It allows you to:<\/span><\/p>\n<ul class=\"c17 lst-kix_orrlz814cb8i-0 start\">\n<li class=\"c0 c1 li-bullet-0\"><span class=\"c2\" style=\"font-weight: 400\">Make secure online purchases<br \/><\/span><\/li>\n<li class=\"c0 c1 li-bullet-0\"><span class=\"c2\" style=\"font-weight: 400\">Avoid carrying large amounts of cash<br \/><\/span><\/li>\n<li class=\"c0 c1 li-bullet-0\"><span class=\"c2\" style=\"font-weight: 400\">Build U.S. credit history for future loans or housing<br \/><\/span><\/li>\n<li class=\"c0 c1 li-bullet-0\"><span class=\"c2\" style=\"font-weight: 400\">Track your spending and start financial habits early<br \/><\/span><\/li>\n<\/ul>\n<p class=\"c0\"><span>Using a credit card wisely also shows lenders that you\u2019re reliable, which can help with larger financial decisions beyond <\/span><span class=\"c14\"><a class=\"c6\" href=\"https:\/\/www.mpowerfinancing.com\/zh\/financial-empowerment\/financing-education\">financing education.<\/a><\/span><\/p>\n<h2 class=\"c8\" id=\"h.41kngdnjvfpc\"><span class=\"c3\" style=\"font-weight: 700\">What makes getting a card challenging for international students?<\/span><\/h2>\n<p class=\"c0\"><span class=\"c2\" style=\"font-weight: 400\">Most U.S. credit card applications ask for:<\/span><\/p>\n<ul class=\"c17 lst-kix_cb7apdo1vby-0 start\">\n<li class=\"c0 c1 li-bullet-0\"><span class=\"c2\" style=\"font-weight: 400\">A Social Security number<br \/><\/span><\/li>\n<li class=\"c0 c1 li-bullet-0\"><span class=\"c2\" style=\"font-weight: 400\">U.S.-based income<br \/><\/span><\/li>\n<li class=\"c0 c1 li-bullet-0\"><span class=\"c2\" style=\"font-weight: 400\">Credit history or a credit score<br \/><\/span><\/li>\n<\/ul>\n<p class=\"c0\"><span class=\"c2\" style=\"font-weight: 400\">As an F-1 student, you may not have any of these when you first arrive. That does not mean you cannot get approved, it just means you\u2019ll need to explore other options.<\/span><\/p>\n<h2 class=\"c8\" id=\"h.ykjcfi2lh44y\"><span class=\"c3\" style=\"font-weight: 700\">Credit card options for F-1 students<\/span><\/h2>\n<p class=\"c0\"><span class=\"c2\" style=\"font-weight: 400\">Here are some common ways international students get their first card:<\/span><\/p>\n<h3 class=\"c27\" id=\"h.mg01n7t8956n\"><span class=\"c12\" style=\"font-weight: 700\">1. Secured credit card<\/span><\/h3>\n<p class=\"c0\"><span class=\"c2\" style=\"font-weight: 400\">\u4e00\u5f20\u62c5\u4fdd\u5361\u9700\u8981\u5b58\u6b3e\uff0c\u8fd9\u901a\u5e38\u5c31\u662f\u4f60\u7684\u4fe1\u7528\u989d\u5ea6\u3002\u4f8b\u5982\uff0c\u5982\u679c\u4f60\u5b58\u5165300\u7f8e\u5143\uff0c\u90a3\u5c31\u662f\u4f60\u53ef\u4ee5\u6d88\u8d39\u7684\u91d1\u989d\u3002<\/span><\/p>\n<p class=\"c0\"><span class=\"c2\" style=\"font-weight: 400\">\u4f18\u70b9\uff1a<\/span><\/p>\n<ul class=\"c17 lst-kix_f5s0h1v4zijl-0 start\">\n<li class=\"c0 c1 li-bullet-0\"><span class=\"c2\" style=\"font-weight: 400\">\u65e0\u4fe1\u7528\u8bb0\u5f55\u4e5f\u66f4\u5bb9\u6613\u83b7\u5f97\u6279\u51c6<br \/><\/span><\/li>\n<li class=\"c0 c1 li-bullet-0\"><span class=\"c2\" style=\"font-weight: 400\">\u5411\u4fe1\u7528\u673a\u6784\u62a5\u544a\uff0c\u6240\u4ee5\u4f60\u53ef\u4ee5\u5efa\u7acb\u4fe1\u7528<br \/><\/span><\/li>\n<li class=\"c0 c1 li-bullet-0\"><span class=\"c2\" style=\"font-weight: 400\">\u5bf9\u4e8e\u5b66\u4e60\u4fe1\u7528\u5982\u4f55\u8fd0\u4f5c\u5f88\u6709\u5e2e\u52a9<br \/><\/span><\/li>\n<\/ul>\n<p class=\"c0\"><span class=\"c2\" style=\"font-weight: 400\">\u53ea\u9700\u786e\u4fdd\u5361\u53d1\u884c\u8005\u5c06\u4f60\u7684\u6d3b\u52a8\u62a5\u544a\u7ed9\u6240\u6709\u4e09\u5bb6\u4fe1\u7528\u673a\u6784\uff0c\u5e76\u6536\u53d6\u4f4e\u989d\u6216\u65e0\u5e74\u8d39\u3002<\/span><\/p>\n<h3 class=\"c27\" id=\"h.urwgoar8rm9\"><span class=\"c12\" style=\"font-weight: 700\">2. \u9488\u5bf9\u56fd\u9645\u5b66\u751f\u7684\u5b66\u751f\u4fe1\u7528\u5361<\/span><\/h3>\n<p class=\"c0\"><span class=\"c2\" style=\"font-weight: 400\">\u4e00\u4e9b\u94f6\u884c\u63d0\u4f9b\u6709\u8f83\u5c11\u8981\u6c42\u7684\u5b66\u751f\u5361\u3002\u4f60\u53ef\u80fd\u9700\u8981\u663e\u793a\uff1a<\/span><\/p>\n<ul class=\"c17 lst-kix_b791y2yf3150-0 start\">\n<li class=\"c0 c1 li-bullet-0\"><span class=\"c2\" style=\"font-weight: 400\">\u62a4\u7167<br \/><\/span><\/li>\n<li class=\"c0 c1 li-bullet-0\"><span class=\"c2\" style=\"font-weight: 400\">\u5165\u5b66\u8bc1\u660e<br \/><\/span><\/li>\n<li class=\"c0 c1 li-bullet-0\"><span class=\"c2\" style=\"font-weight: 400\">\u7f8e\u56fd\u5730\u5740<br \/><\/span><\/li>\n<li class=\"c0 c1 li-bullet-0\"><span class=\"c2\" style=\"font-weight: 400\">\u4e2a\u4eba\u7eb3\u7a0e\u4eba\u8bc6\u522b\u53f7\uff08ITIN\uff09<br \/><\/span><\/li>\n<\/ul>\n<p class=\"c0\"><span class=\"c2\" style=\"font-weight: 400\">\u68c0\u67e5\u4f60\u7684\u5b66\u6821\u662f\u5426\u4e0e\u4efb\u4f55\u63d0\u4f9b\u4fe1\u7528\u5361\u7ed9\u56fd\u9645\u5b66\u751f\u7684\u94f6\u884c\u6216\u4fe1\u7528\u5408\u4f5c\u793e\u6709\u5408\u4f5c\u5173\u7cfb\u3002<\/span><\/p>\n<h3 class=\"c27\" id=\"h.278g41k4ergg\"><span class=\"c12\" style=\"font-weight: 700\">3. \u6210\u4e3a\u6388\u6743\u7528\u6237<\/span><\/h3>\n<p class=\"c0\"><span class=\"c2\" style=\"font-weight: 400\">\u5982\u679c\u4f60\u7684\u670b\u53cb\u6216\u5bb6\u4eba\u5df2\u7ecf\u6709\u4e00\u5f20\u4fe1\u7528\u5361\uff0c\u4ed6\u4eec\u53ef\u4ee5\u5c06\u4f60\u6dfb\u52a0\u4e3a\u6388\u6743\u7528\u6237\u3002\u4f60\u4f1a\u5171\u4eab\u5361\u8d26\u6237\uff0c\u4f46\u4f60\u7684\u540d\u5b57\u4f1a\u88ab\u6dfb\u52a0\u5230\u4fe1\u7528\u62a5\u544a\u4e2d\u3002<\/span><\/p>\n<p class=\"c0\"><span class=\"c2\" style=\"font-weight: 400\">\u8fd9\u53ef\u4ee5\u5e2e\u52a9\u4f60\u5728\u4e0d\u81ea\u5df1\u7533\u8bf7\u7684\u60c5\u51b5\u4e0b\u5efa\u7acb\u4fe1\u7528\uff0c\u4f46\u8fd9\u53d6\u51b3\u4e8e\u53e6\u4e00\u4e2a\u4eba\u7684\u4fe1\u7528\u4e60\u60ef\u3002\u53ea\u6709\u5728\u4f60\u4fe1\u4efb\u7684\u4eba\u8eab\u4e0a\u5c1d\u8bd5\u8fd9\u4e2a\u3002<\/span><\/p>\n<h2 class=\"c8\" id=\"h.o0givvwps4es\"><span class=\"c3\" style=\"font-weight: 700\">\u5982\u4f55\u63d0\u9ad8\u83b7\u5f97\u6279\u51c6\u7684\u673a\u4f1a<\/span><\/h2>\n<ul class=\"c17 lst-kix_2ajlq5h8mktm-0 start\">\n<li class=\"c0 c1 li-bullet-0\"><span class=\"c2\" style=\"font-weight: 400\">\u9996\u5148\u5f00\u8bbe\u7f8e\u56fd\u7684\u652f\u7968\u6216\u50a8\u84c4\u8d26\u6237\u3002<br \/><\/span><\/li>\n<li class=\"c0 c1 li-bullet-0\"><span>\u901a\u8fc7\u663e\u793a\u5de5\u4f5c\u9080\u8bf7\uff0c\u7a33\u5b9a\u7684\u8d5e\u52a9\u5546\u5b58\u6b3e\u6216\u5df2\u6279\u51c6\u7684MPOWER\u65e0\u62c5\u4fdd\u4eba\u52a9\u5b66\u91d1\u7684\u8bc1\u660e\u6765\u589e\u5f3a\u4f60\u7684\u7533\u8bf7\u3002<\/span><\/li>\n<li class=\"c0 c1 li-bullet-0\"><span class=\"c2\" style=\"font-weight: 400\">\u9009\u62e9\u63a5\u53d7\u56fd\u9645\u5b66\u751f\u548cITINs\u7684\u94f6\u884c\u7533\u8bf7\u3002<br \/><\/span><\/li>\n<li class=\"c0 c1 li-bullet-0\"><span class=\"c2\" style=\"font-weight: 400\">\u907f\u514d\u4e00\u6b21\u7533\u8bf7\u591a\u5f20\u5361\u3002<br \/><\/span><\/li>\n<\/ul>\n<p class=\"c0\"><span class=\"c2\" style=\"font-weight: 400\">\u6bcf\u6b21\u7533\u8bf7\u90fd\u4f1a\u4ea7\u751f\u4e00\u4e2a\u4fe1\u7528\u67e5\u8be2\uff0c\u6240\u4ee5\u4e00\u6b21\u53ea\u5173\u6ce8\u4e00\u4e2a\u53ef\u9760\u7684\u9009\u9879\u3002<\/span><\/p>\n<h2 class=\"c8\" id=\"h.xtrqmhohas8s\"><span class=\"c3\" style=\"font-weight: 700\">\u5982\u4f55\u660e\u667a\u5730\u4f7f\u7528\u4f60\u7684\u4fe1\u7528\u5361<\/span><\/h2>\n<p class=\"c0\"><span class=\"c2\" style=\"font-weight: 400\">\u4e00\u65e6\u4f60\u83b7\u5f97\u6279\u51c6\uff0c\u4f60\u4f7f\u7528\u5361\u7684\u65b9\u5f0f\u5c31\u5f88\u91cd\u8981\u3002\u8bf7\u8bb0\u4f4f\u4ee5\u4e0b\u63d0\u793a\uff1a<\/span><\/p>\n<ul class=\"c17 lst-kix_fletshu2oj2t-0 start\">\n<li class=\"c0 c1 li-bullet-0\"><span class=\"c2\" style=\"font-weight: 400\">\u6bcf\u6708\u5168\u989d\u652f\u4ed8\u4f59\u989d\u4ee5\u907f\u514d\u5229\u606f\u3002<br \/><\/span><\/li>\n<li class=\"c0 c1 li-bullet-0\"><span class=\"c2\" style=\"font-weight: 400\">\u4e0d\u8981\u82b1\u8d39\u8d85\u8fc7\u4f60\u7684\u4fe1\u7528\u9650\u989d\u768430%\u3002<br \/><\/span><\/li>\n<li class=\"c0 c1 li-bullet-0\"><span class=\"c2\" style=\"font-weight: 400\">\u8bbe\u7f6e\u81ea\u52a8\u652f\u4ed8\uff0c\u8fd9\u6837\u4f60\u5c31\u4e0d\u4f1a\u9519\u8fc7\u5230\u671f\u65e5\u3002<br \/><\/span><\/li>\n<li class=\"c0 c1 li-bullet-0\"><span class=\"c2\" style=\"font-weight: 400\">\u5c06\u4f60\u7684\u5361\u7528\u4e8e\u5c0f\u989d\u3001\u5b9a\u671f\u7684\u8d39\u7528\uff0c\u5982\u6742\u8d27\u6216\u8ba2\u9605\u3002<br \/><\/span><\/li>\n<li class=\"c0 c1 li-bullet-0\"><span class=\"c2\" style=\"font-weight: 400\">\u6bcf\u6708\u68c0\u67e5\u4f60\u7684\u8d26\u5355\uff0c\u770b\u6709\u65e0\u9519\u8bef\u6216\u6b3a\u8bc8\u3002<br \/><\/span><\/li>\n<\/ul>\n<p class=\"c0\"><span class=\"c2\" style=\"font-weight: 400\">\u6301\u7eed\u5e76\u8c28\u614e\u5730\u4f7f\u7528\u4f60\u7684\u5361\u662f\u5efa\u7acb\u826f\u597d\u4fe1\u7528\u5386\u53f2\u7684\u6700\u4f73\u65b9\u5f0f\u3002<\/span><\/p>\n<h2 class=\"c8\" id=\"h.d7p49kgdn7r\"><span class=\"c3\" style=\"font-weight: 700\">MPOWER Financing\u5982\u4f55\u652f\u6301\u6ca1\u6709\u7f8e\u56fd\u4fe1\u7528\u5386\u53f2\u7684\u5b66\u751f<\/span><\/h2>\n<p class=\"c0\"><span>\u5f53\u4f60\u7684\u8d22\u52a1\u57fa\u7840\u5f3a\u5927\u65f6\uff0c\u83b7\u53d6\u4f60\u7684\u7b2c\u4e00\u5f20\u4fe1\u7528\u5361\u5c31\u66f4\u5bb9\u6613\u3002MPOWER Financing\u63d0\u4f9b<\/span><span class=\"c14\"><a class=\"c6\" href=\"https:\/\/www.mpowerfinancing.com\/zh\/financial-empowerment\/no-cosigner-student-loans\">\u79c1\u4eba\u52a9\u5b66\u91d1<\/a><\/span><span class=\"c2\" style=\"font-weight: 400\">\u00a0\u7ed9F-1\u7b7e\u8bc1\u6301\u6709\u8005\uff0c\u65e0\u9700\u7f8e\u56fd\u4fe1\u7528\u5206\u6570\u6216\u62c5\u4fdd\u4eba\u3002<\/span><\/p>\n<p class=\"c0\"><span>\u6709\u4e86MPOWER\uff0c\u4f60\u53ef\u4ee5\uff1a<\/span><\/p>\n<ul class=\"c17 lst-kix_ku7ouv6m3yif-0 start\">\n<li class=\"c0 c1 li-bullet-0\"><span class=\"c2\" style=\"font-weight: 400\">\u5411\u94f6\u884c\u548c\u4fe1\u7528\u5408\u4f5c\u793e\u5c55\u793a\u8d22\u52a1\u7a33\u5b9a\u6027<br \/><\/span><\/li>\n<li class=\"c0 c1 li-bullet-0\"><span class=\"c2\" style=\"font-weight: 400\">\u901a\u8fc7\u6309\u65f6\u507f\u8fd8\u52a9\u5b66\u91d1\u5efa\u7acb\u4fe1\u7528\u5386\u53f2\uff08MPOWER\u5411\u4fe1\u7528\u5c40\u62a5\u544a\uff09<br \/><\/span><\/li>\n<li class=\"c0 c1 li-bullet-0\"><span class=\"c2\" style=\"font-weight: 400\">\u901a\u8fc7\u514d\u8d39\u8d44\u6e90\u5b66\u4e60\u4e2a\u4eba\u8d22\u52a1\u6280\u80fd<br \/><\/span><\/li>\n<\/ul>\n<p class=\"c0\"><span class=\"c2\" style=\"font-weight: 400\">MPOWER\u5e2e\u52a9\u56fd\u9645\u5b66\u751f\u638c\u63a7\u4ed6\u4eec\u7684\u8d22\u52a1\u5e76\u4e3a\u957f\u671f\u505a\u51c6\u5907\u3002 <\/span><\/p>\n<h2 class=\"c8\" id=\"h.pkjq3jk6t8sa\"><span class=\"c3\" style=\"font-weight: 700\">\u4ece\u5c0f\u505a\u8d77\uff0c\u806a\u660e\u5efa\u8bbe<\/span><\/h2>\n<p class=\"c0\"><span class=\"c2\" style=\"font-weight: 400\">\u4fe1\u7528\u5361\u4e0d\u4ec5\u4ec5\u662f\u4e00\u79cd\u6d88\u8d39\u5de5\u5177\uff0c\u5b83\u662f\u5c55\u793a\u4f60\u8d22\u52a1\u8d23\u4efb\u611f\u7684\u4e00\u79cd\u65b9\u5f0f\u3002\u4ece\u7b26\u5408\u4f60\u9700\u6c42\u7684\u5361\u5f00\u59cb\uff0c\u6309\u65f6\u652f\u4ed8\u8d26\u5355\uff0c\u89c2\u5bdf\u4f60\u7684\u4fe1\u7528\u6210\u957f\u3002<\/span><\/p>\n<p class=\"c0\"><span class=\"c2\" style=\"font-weight: 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