Sir, when you go to study in the United States, you first have to pay tuition. You should first ask the overseas school whether you can use a credit card to charge tuition fees, and the international card organization to which the credit card belongs, such as VISA, MasterCard, etc., so that you can determine what kind of international credit card you can apply for in China.

Also, after getting a credit card, it is best to sign on the back of the card promptly and try to keep a copy of the signature so that you have proof to rely on in case of an accident.

Currently, there are two main types of credit cards commonly used for studying abroad:

1. World-wide dual-currency cards, such as U.S. dollar dual-currency credit cards of Bank of China, ICBC, Bank of Communications, and China Merchants Bank .

The U.S. dollar can be used in almost all countries and regions. If you spend money in non-U.S. regions, an exchange fee of 1%-2% will be added, but the exchange rate settlement of international credit cards is based on the same day settlement by the International Credit Card Organization. The exchange rate is the benchmark, so it is still more cost-effective than the exchange rate used by individuals to purchase foreign exchange.

2. Single-currency cards, such as U.S. dollar cards, Hong Kong dollar cards, and currently only Euro cards and British pound cards launched by Bank of China. The settlement currencies are U.S. dollars, Hong Kong dollars, euros, and pounds sterling respectively.

If you plan to study in the United States for a long time, you may consider applying for a local credit card in the United States. Generally, you will bring a cash draft and go directly to a U.S. bank to open an account. Then wire the money to it. As for the remittance of 9,000 US dollars, the Bank of China charges a handling fee of more than 200 US dollars, and then the US bank deducts a handling fee of 20 US dollars. The handling fees for remittances are similar, but it is cheaper to exchange U.S. dollars at Bank of China.