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楼主: ms_lt

回国你怎么花钱

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 楼主| 发表于 2010-7-23 10:47:28 | 显示全部楼层
deepocean: 怎么我们大美帝国的驾照不是国际的?开的是我弟的车。
整个一个逗俺玩呢~
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发表于 2010-7-23 12:04:45 | 显示全部楼层
SevenStar: OMG. 咱坐着别人开的车都提心吊胆。
没那么难。国内人就是胆大,技术还是不行。
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 楼主| 发表于 2010-7-23 12:32:22 | 显示全部楼层
rongshutou: you probably don't know 银联. In China you can use it in many places, and it's acceptable in some Chinese shops, restaurants, even some local bank ATM
原来如此, 银联的卡卡对你来说还是很方便的, 可以在大陆存钱, 在香港买东西, 要
是在米国能用就更加好了...
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发表于 2010-7-23 14:59:18 | 显示全部楼层
Call your credit to see how much transaction that you charge. Usually 3%. Only one that doesn't charge is captialone. So I always use captialone. I wired some money to bank of china (better rate than cash exchange) and use their atm to get cash...
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 楼主| 发表于 2010-7-23 15:19:16 | 显示全部楼层
gators: Call your credit to see how much transaction that you charge. Usually 3%. Only one that doesn't charge is captialone. So I always use captialone. I wi
A number of friends had mentioned Capital One does not charge the transaction fee, looks like I need apply for a Capital One card too.  They also said using Bank of America’s ATM card we will be able to taking out money from "建行" without extra charge.  Thx for stopping by and sharing..
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发表于 2010-7-23 16:58:56 | 显示全部楼层
ms_lt: 原来如此, 银联的卡卡对你来说还是很方便的, 可以在大陆存钱, 在香港买东西, 要
是在米国能用就更加好了...
7月8日中国银联宣布与花旗银行结成战略联盟,并宣布正式开通ATM双向受理业务。 据悉,该业务开通后,银联卡就可以在遍布全球36个国家和地区的花旗银行ATM机上进行。

花旗ATM卡可以在任何银联ATM机上取钱。
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 楼主| 发表于 2010-7-23 17:04:26 | 显示全部楼层
老齯: 7月8日中国银联宣布与花旗银行结成战略联盟,并宣布正式开通ATM双向受理业务。 据悉,该业务开通后,银联卡就可以在遍布全球36个国家和地区的花旗银行ATM机上进行。

花旗ATM卡可
哥们儿, 这是现在进行时, 还是已经完成时.
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发表于 2010-7-23 18:50:34 | 显示全部楼层
ms_lt: 哥们儿, 这是现在进行时, 还是已经完成时.
老妹,我可不是道听途说。家姐6月回国,就是一张花旗ATM卡,凡银联取款机,通行无阻。
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发表于 2010-7-23 22:03:46 | 显示全部楼层
ok.

If you bring cash to bank of china, the exchange rate is the lowest.

You can wire some money to your bank of china. You need to know
your branch's swift code which can be found from internet or you
ask the teller. I brought a little money ($500) to open the account.
The wire the money online. Your bank may charge you $25. But if you wire 1w that's the best $25 you spent...
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发表于 2010-7-23 22:04:46 | 显示全部楼层
老齯: 老妹,我可不是道听途说。家姐6月回国,就是一张花旗ATM卡,凡银联取款机,通行无阻。
What is 银联? Is that citi or boa?
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发表于 2010-7-23 22:08:59 | 显示全部楼层
gators: What is 银联? Is that citi or boa?
It's a Chinese ATM network.
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发表于 2010-7-23 22:16:53 | 显示全部楼层
老齯: 7月8日中国银联宣布与花旗银行结成战略联盟,并宣布正式开通ATM双向受理业务。 据悉,该业务开通后,银联卡就可以在遍布全球36个国家和地区的花旗银行ATM机上进行。

花旗ATM卡可
银联卡在花旗银行ATM机上取钱, 要收费吗?

中国人来米国玩,这样子就不用带现金了?
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发表于 2010-7-23 22:19:45 | 显示全部楼层
yi_ran: 银联卡在花旗银行ATM机上取钱, 要收费吗?

中国人来米国玩,这样子就不用带现金了?
应该是,蛋没有试过。费恐怕很少八。
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发表于 2010-7-24 07:23:40 | 显示全部楼层
老齯: 应该是,蛋没有试过。费恐怕很少八。
I took a look at my bank of china atm. It is a 银联。 So you think that
I can use it to get dollar from Citi bank or BOA ATM without fee?

Which us bank ATM should I have to take cash from 银联 ATM in china?

Who is 银联? Bank of china? Construction bank?
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发表于 2010-7-24 09:41:44 | 显示全部楼层
gators: I took a look at my bank of china atm. It is a 银联。 So you think that
I can use it to get dollar from Citi bank or BOA ATM without fee?

Which us ba

is not a bank, just like these

are not banks.

I kown nothing about BOA.  Citi ATM cards can be used in any 银联 ATM.  Not sure about fee, if there is any.
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发表于 2010-7-24 10:35:13 | 显示全部楼层
老齯: 银联 is not a bank, just like these

are not banks.

I kown nothing about BOA.  Citi ATM cards
I meant who has 银联? I know Bank of China has. Who else?

Anyone has real experience about getting dollar from a us bank atm
in USA?
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发表于 2010-7-24 11:15:23 | 显示全部楼层
I just called BOA. They told me there is a 1% currency conversion fee to use ATM.   I would prefer to use my BOC card if I can remember my passcode.
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 楼主| 发表于 2010-7-24 20:40:04 | 显示全部楼层
yi_ran: I just called BOA. They told me there is a 1% currency conversion fee to use ATM.  I would prefer to use my BOC card if I can remember my passc
They must have just changed the policy, from what I heard they did not charge it bofore.. LOL.
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 楼主| 发表于 2010-7-24 20:42:24 | 显示全部楼层
gators: ok.

If you bring cash to bank of china, the exchange rate is the lowest.

You can wire some money to your bank of china. You need to know
your branch
Thanks for this information.  I know nothing about "银联" myself..  hope someone can answer your question.
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 楼主| 发表于 2010-7-24 20:43:18 | 显示全部楼层
老齯: 老妹,我可不是道听途说。家姐6月回国,就是一张花旗ATM卡,凡银联取款机,通行无阻。
Thanks, I need open a citi account, sounds like.
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发表于 2010-7-24 20:50:43 | 显示全部楼层
ms_lt: Thanks for this information.  I know nothing about "银联" myself..  hope someone can answer your question.
Here is how you do it.

http://davidwei.org/doc/wiringMoney.htm

Make sure that you want the money as RMB. Otherwise it stays as
dollar.
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 楼主| 发表于 2010-7-24 21:43:12 | 显示全部楼层
yi_ran: I just called BOA. They told me there is a 1% currency conversion fee to use ATM.  I would prefer to use my BOC card if I can remember my passc
Have you called the citi bank see how much fee they charge?  I just called, A Indian accent guy told me citi will charge 3% in China when we use ATM machine in there.
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发表于 2010-7-24 21:55:12 | 显示全部楼层
ms_lt: Have you called the citi bank see how much fee they charge?  I just called, A Indian accent guy told me citi will charge 3% in China when we use ATM m
我没有Citi ATM。 我打电话给BOA 去Unlock Card。 BOA告诉我Purchase 是3%的Charge,ATM 是1%的Currency Conversion Charge。 我用过Citi的MasterCard, 是3%的Purchase Charge。 BOA还告诉我DailyLimit。 和我在米国的一样。
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发表于 2010-7-25 03:22:35 | 显示全部楼层
yi_ran: 我没有Citi ATM。 我打电话给BOA 去Unlock Card。 BOA告诉我Purchase 是3%的Charge,ATM 是1%的Currency Conversion Charge。 我用过Citi的MasterCard, 是3%的Purch
那个1%的charge是在合作伙伴的银行也是这样吗?我在欧洲用他们从来没说过这个也。而且BOA网站上也是这样写的:FREE。
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发表于 2010-7-25 03:26:31 | 显示全部楼层
老齯: 7月8日中国银联宣布与花旗银行结成战略联盟,并宣布正式开通ATM双向受理业务。 据悉,该业务开通后,银联卡就可以在遍布全球36个国家和地区的花旗银行ATM机上进行。

花旗ATM卡可
银联是什么银行呀? 我怎么没听说过呀?
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发表于 2010-7-25 03:34:13 | 显示全部楼层
yi_ran: 我没有Citi ATM。 我打电话给BOA 去Unlock Card。 BOA告诉我Purchase 是3%的Charge,ATM 是1%的Currency Conversion Charge。 我用过Citi的MasterCard, 是3%的Purch
对的,那个BOA那个3%的charge 是如果你拿它(ATM CARD) 当creditcard 用呀。那还不如用信用卡呢。把ATM K 当信用卡用,钱当时就从你的帐号给拿走了。而CC是有个grace period了。
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发表于 2010-7-25 05:53:08 | 显示全部楼层
红豆: 银联是什么银行呀?我怎么没听说过呀?
Did I say it already?
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发表于 2010-7-25 06:55:03 | 显示全部楼层
为啥还有这么多人“用家人或朋友的信用卡或人民币, 然后给他们美元(一个不断贬值的货币)”?
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发表于 2010-7-25 07:46:41 | 显示全部楼层
红豆: 那个1%的charge是在合作伙伴的银行也是这样吗?我在欧洲用他们从来没说过这个也。而且BOA网站上也是这样写的:FREE。
I think this is new. I never saw it before.

http://www.bankofamerica.com/deposits/checksave/index.cfm?template=lc_faq_ATM#qn54

What are the fees for using a Check Card or ATM Card in a foreign country?

Withdrawals, deposits, transfers, payments and balance inquiries made at ATMs in foreign countries outside of the ATM Global Alliance will be charged a $5.00 fee.
In addition, an International Transaction Fee will be charged for ATM Card and Check Card transactions made for foreign purchases or ATM cash withdrawals in currency other than U.S. Dollars, regardless of whether or not the transaction occurred at an ATM in a country covered in the ATM Global Alliance. The International Transaction Fee will be 3% of the U.S. Dollar amount for each converted purchase or 1% of the U.S. Dollar amount for each converted ATM cash withdrawal. This International Transaction Fee will appear as a separate item on your banking statement for each international transaction.
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发表于 2010-7-25 14:49:48 | 显示全部楼层
老齯: Did I say it already?
哎,有人现在架子很大也。 是酱紫的也:我先问了,才接着往下看的。的确看到你已经回了别的MM了。
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发表于 2010-7-25 14:54:33 | 显示全部楼层
yi_ran: I think this is new. I never saw it before.

http://www.bankofamerica.com/deposits/checksave/index.cfm?template=lc_faq_ATM#qn54

What are the fees for
谢谢MM。这个应该是新的也。可是自从我在这里,只要我从合作银行取钱,从来没有看到任何手续费也。也许他们把那1%折合进去了,但是他们不是明明写着要appear seperately 吗?反正我是没有交过手续费,而且exhange rate 也很好的,不比网上查到的差也~~~
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