It will definitely be more troublesome for international students to apply for a credit card, but it is not impossible.

First of all, you need to know the types of international credit cards:

One is the universal type, such as the US dollar dual-currency credit card of Bank of Communications, ICBC, and Bank of China.

Since 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 particularly applicable. , such as Bank of China's Euro Card and Japanese Yen Card, the billing currency and settlement currency are both Euro or Japanese Yen, which are directly converted into RMB to reduce exchange rate losses caused by foreign exchange conversion.

There are many fees you need to pay attention to when using international cards when studying in the United States:

Annual fee: Credit cards all charge annual fees. Although the annual fees are not very high, there is no annual fee. It requires special approval. Of course, there are now bank regulations that waive the annual fee after a certain number of transactions.

International organizations charge. International cards are automatically converted into various currencies according to the real-time exchange rate when consumption is made. This conversion is done by international card organizations VISA, MasterCard, etc., and a handling fee of 1 for the consumption amount will be charged.

Exchange rate discount. To avoid this fee, it is best to use a card in the same currency for which country you are going. Nowadays, most international cards are US dollar cards, but it is more troublesome to go to Australia. There are no Australian dollar cards in the country; but there are Euro cards. Currently, Bank of China and Bank of Communications have Euro cards. In addition, Bank of China and ICBC also have Hong Kong dollar cards.

Basically, these are the questions. You can go to the bank for detailed consultation, and it shouldn’t be a embarrassment to you. After all, people who can study abroad will have good living conditions.