Just bring your VISA when studying abroad.

VISA: MASTER, AMERICA EXPRESS are the three largest credit card companies in the world. VISA and MASTER are the most widely used. UnionPay belongs to China. But in the big cities in the United States, New York, Los Angeles, San Francisco. All can be used. I suggest you apply for China Everbright Bank. The maximum overdraft is 5 million. It's called an infinite card. Then there is the platinum card with an overdraft of 1 million. All are RMB. Of course, the family income must be sufficient. But this method is quite bad. When you use the Visa card you applied for in China abroad, you have to pay a transition fee ranging from .05-1. You won't be able to afford expensive things like this. And now the RMB is depreciating. I suggest you take 5,000-10,000 US dollars in cash when you go abroad. Apply for a local bank card after going to the local area. VISA, MASTER can be applied for after going to the United States and staying for 8 months to a year. At the beginning, I could only apply for a debit card. That is, no overdraft is allowed.