Experts pointed out that at present, many banks have specially launched exclusive credit cards for studying abroad. Can international students do it by choosing a suitable credit card? Once and for all? . Overseas financial experts of China Bank suggested that considering that international students are not financially independent, when applying for credit cards, international students usually take the form of primary and secondary cards, with their parents holding the primary card and their children holding the secondary card. On the one hand, parents can know the living expenses of their children abroad; On the other hand, if you spend money abroad, you can repay it at home, and parents can open an automatic foreign exchange purchase repayment service through the counter or online banking.

It is understood that the credit cards currently provided to international students are generally divided into ordinary dual-currency credit cards, namely RMB? Dollar card; Secondly, for multi-currency and dual-currency cards, such as euro cards and Hong Kong dollar cards, the bookkeeping currency and settlement currency are both euros or Hong Kong dollars, which are directly converted into RMB, so as to reduce exchange rate losses caused by some conversions.

? Where to spend, it is best to use a local currency credit card, which saves money compared with credit cards in other currencies. ? China Bank Shanghai Branch's overseas financial business experts said that at present, China Bank has issued credit cards in US dollars, Hong Kong dollars, euros, pounds and Australian dollars, and it is also the only bank in China that issues Australian dollar cards. When you go to different countries and regions, you can provide foreign students with credit cards in different currencies.

At present, international students are younger, and parents are more worried about their children's life and economic security. ? My child is abroad, so I can't stay with him, so I will give him a multi-currency credit card, so I can rest assured. ? A student's parents said that through a multi-currency credit card, they can not only ensure that their children are not wronged in their lives, but also know their consumption there.

? For those who need online financial supervision and payment of foreign currency demand, you can use Jinsui Credit Card. Parents can handle the master card and subsidiary card for their children, so as to realize the repayment function of children's consumption in consumption abroad and parents' consumption in China. ? Because many children have no plans to spend money, parents can keep track of their children's consumption at any time through SMS reminders of foreign students' credit cards. It should be reminded that due to the high handling fee, international students are advised not to use credit cards to withdraw cash.

When paying tuition fees, buying a car, buying home appliances and other large-scale consumption, if the credit line is not enough, parents can also deposit RMB into credit cards at home, and children can immediately spend the newly increased credit line abroad. Financial experts remind that overseas credit card consumption is generally based on signature and does not require a password. If it is lost or stolen, please contact the credit card center immediately to minimize the loss. Besides, what's the best choice? Zero risk of reporting loss? A credit card with comprehensive card loss protection service, so that the amount of credit card will be borne by the bank after the credit card is lost.