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Can I Get a US credit card (virtual?) even if I don't live in the US?

Discussion in 'Ebay' started by oatmeal, Nov 13, 2016.

  1. oatmeal

    oatmeal Regular Member

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    I have a Canadian bank account and Cdn credit card. Those are linked to my paypal and ebay accounts.

    The one problem I am noticing is that buyers pay me in USD funds and then I purchase items in CDN funds (using my credit card), the exchange rate kills me. I get a worse exchange rate when purchasing US with CDN funds and when I transfer US funds from paypal to my Cdn bank. The profit is much less than if I were to just be able to purchase with USD funds and then transfer over the profits.

    So what I was thinking was is there a way for me to acquire/use a US credit card/virtual credit card to make purchases on US merchant sites even though I don't live in the US? Then I simply pay off my US credit card balance with my USD paypal funds, and transfer the remaining profit to my cdn bank account.

    Now normally, I'd just pay with my usd paypal funds but for some reason, there have been issues with that method so I am forced to purchase with my cdn credit card. I'd much rather purchase with a US credit card and pay it off with my USD paypal funds.

    Any help would be appreciated.
     
  2. toml3030

    toml3030 Elite Member

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    Many US banks will let you open an account if you physically show up at a US bank if you have a valid foreign ID.
     
  3. HoNeYBiRD

    HoNeYBiRD Jr. VIP Jr. VIP

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    Payoneer is option. You get a physical debit Mastercard and you can apply for their US Payment Service, which is practically a VBA. You can add both the card and the US Payment Service to PayPal, you can use the card for purchases and you can withdraw your PayPal funds to the VBA, then later you can use the balance of the VBA as if it were the balance of your card. Adding the VBA to PayPal doesn't work for everyone, but it definitely worth a try. If it works, it's the most clear-cut solution. Obviously if you use the card offline in Canada, the currency exchange rate from USD to CDN will apply, but for online purchases, you can use the USD balance wherever Mastercard is accepted or via PayPal after you linked your card.
     
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  4. oatmeal

    oatmeal Regular Member

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    So only if I am physically there right? Since I'm no where near US right now, is there any other option? What about US banks that might exist or operate in foreign countries? Can we just go there and make one overseas or does it have to be only in person on US soil?
     
  5. oatmeal

    oatmeal Regular Member

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    I will try to figure this payoneer thing out....i'm still a bit confused about how that works.....
     
  6. magicverify

    magicverify Junior Member

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    Debit card is possible
     
  7. HoNeYBiRD

    HoNeYBiRD Jr. VIP Jr. VIP

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    Check them out, it's really not that complicated. :)

    You sign up for an account from any supported country (Canada is supported for sure), they approve it, they will ship a debit card to you. You apply for their US Payment Service, they will ask you to provide a national id or passport, they will approve that too. Optimally you can add both the card and the US Payment Service to your PayPal account. You can use the card as any other debit card and you can use the US Payment Service as a checking account, it will come with an account number, routing (ABA), you can add it to PayPal as if it were a regular bank account. You can receive ACH transfer to it in USD. In optimal case you'll be able to withdraw from your PayPal account to it and you can use the card to spend the balance either online or offline.
     
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  8. Abe

    Abe Junior Member

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    Another option is to go down the bitcoin route & use a coinizy card
     
  9. smarty84

    smarty84 Regular Member

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    Hi, i appreciate the information that you have provided. I have few questions. Will this payoneer card come with a US address? and can it be used on advertising site like bingads etc?
     
  10. HoNeYBiRD

    HoNeYBiRD Jr. VIP Jr. VIP

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    US address no. It will come with your actual address, because that's where you will receive the card. :) I'm not entirely sure about Bing Ads, but if you look around, it seems that Payoneer is not supported there anymore.
     
  11. smarty84

    smarty84 Regular Member

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    Thanks for your reply. I think you are right. Do you know any VCC provider who can provide a working VCC for an advertising sites like bingads or google etc?
     
  12. vidaobd2

    vidaobd2 Newbie

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    You could try netspend, which offer to generate vcc.
     
  13. Abe

    Abe Junior Member

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    Just had a look at Netspend. It wasn't clear whether they were Virtual or physical card.
    Also not clear from their Q&A what verification process is.
    I've emailed them & will report back when I know more.

    I would also be interested in a reliable monthly supply of US based VCCs
     
  14. vidaobd2

    vidaobd2 Newbie

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    As for Netspend, you must have a physical card first to activate your account, then you could open 6 Virtual card at one time.
     
  15. smarty84

    smarty84 Regular Member

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    Thanks for your reply. I am not from USA, so will Netspend can provide a USA VCC for Non US residents?

    I have Non US physical card. Can i get a US VCC from them?
     
  16. vidaobd2

    vidaobd2 Newbie

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    No, you could not get a US VCC from Netspend if you don't have a Netspend phisical card.
     
  17. smarty84

    smarty84 Regular Member

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    Is it possible to get a Netspend physical card if you are not a US resident?
     
  18. Nkib

    Nkib Newbie

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    payonner or yandex card
     
  19. smarty84

    smarty84 Regular Member

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    Will they provide a US Card?
     
  20. vidaobd2

    vidaobd2 Newbie

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    No, you need to have SSN number to get a physical card.