Expert's suggestion: Choose dual currency card or single currency foreign currency card as the destination currency.

Foreign currency credit card is the most commonly used payment tool for international students. Before applying, it is necessary to comprehensively evaluate the worldwide popularity of credit card products, the number of special merchants and the distribution of outlets, so as to ensure the convenience of overseas credit card swiping to the greatest extent.

Experts suggest that international students can apply for a dual-currency credit card or a single-currency foreign currency card, and the currency of their foreign currency account should be the same as the destination currency, which can easily save the currency conversion fee. In this way, foreign students can use foreign currency when spending their credit cards abroad, and they can use RMB to purchase foreign exchange for repayment at home, which not only saves the currency conversion fee, but also avoids the exchange rate risk of a large number of foreign exchange exchanges in advance.

& gt& gt The second measure: It is more rational to use the main and auxiliary cards.

Expert's suggestion: the collocation of main and auxiliary cards

If the child is too young or has insufficient financial ability, parents can apply for a supplementary card under their own credit card name for their children to use abroad, and set the credit limit according to the destination of studying abroad. In this way, students without credit records can also have their own credit cards, and gradually establish a financial management concept of controlling their own expenses within the credit limit. Parents can also learn about their children's consumption through transaction SMS tips and bank monthly statements to help them cultivate rational consumption awareness.

& gt& gt The third measure: security card anti-theft brush

Expert's suggestion: domestic application for foreign currency credit card should choose EMV standard upgrade chip.

Children live independently in unfamiliar environments, and parents are particularly concerned about the security of credit cards. Bank card experts suggest that international students take remittances out of the country in the form of bank cards, and their daily consumption is mainly by swiping cards, which can fully protect personal and property safety. In daily life, foreign students should take good care of their cards. When they lose their cards or encounter unauthorized transactions, they should immediately report the loss to the issuing bank or report the loss to the issuing bank. In case of emergency, domestic parents can also apply to the issuing bank for temporary adjustment of the credit line.

At present, many countries have upgraded the EMV standard of bank card system. Therefore, when applying for foreign currency credit cards in China, we should try our best to choose a bank chip card that meets this standard to prevent the magnetic stripe from copying and ensure the safety of credit card swiping.

& gt& gt Step 4: Don't miss the student discount.

Expert advice: pay attention to air ticket discounts.

Many domestic banks not only specially design international credit cards and debit cards for international students, but also simultaneously launch attractive preferential items for studying abroad, such as air tickets, overweight baggage consignment, baggage express delivery and so on. International students can pay attention to relevant preferential information at any time and enjoy various study abroad benefits.

At present, Beijing Branch of Bank of Communications holds promotional activities all year round, and individuals can enjoy preferential remittance fees when purchasing foreign exchange. The bank also holds promotional activities for traveler's checks all the year round, and can enjoy preferential handling fees when purchasing traveler's checks.