A visa card is enough. You can apply for credit cards from major banks. You need visa and UnionPay. Go to Singapore and apply for a local card to use for remittance. You can pay tuition with the credit card, and then your parents will pay the credit card directly back home. Money is enough. It is best to use UnionPay when paying. UnionPay is in RMB, and visa is in US dollars. The handling fees are different