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it is an essential step for Swiss students to choose the right credit card during their study abroad. If you want to use a credit card for spending abroad, you must first have an account that supports the consumption of foreign currency. Therefore, when handling a credit card, you can choose an account type of a foreign currency card or a dual currency card.
experts suggest that consumers should choose cards with appropriate currencies according to the currencies of destination countries and regions, so as to avoid foreign exchange fees.
It is understood that at present, the dual-currency credit cards issued by domestic commercial banks are mainly RMB/USD cards. At the same time, many banks have also introduced RMB/Hong Kong dollar cards, RMB/Euro cards, RMB/Japanese yen cards and RMB/Australian dollar cards.
At present, Bank of China, Industrial and Commercial Bank of China, China CITIC Bank and Minsheng Bank all provide multi-currency credit card services for overseas students and customers who often go abroad for business. On July 9th, ICBC took the lead in launching a multi-functional credit card product-ICBC multi-currency credit card. This card can meet the overseas payment requirements of RMB, US dollar, Euro, Hong Kong dollar, British pound, Japanese yen, Singapore dollar, Canadian dollar, Australian dollar, Swiss franc and New Zealand dollar at the same time, saving 1.1% foreign exchange handling fee. Recently, Bank of China and Visa jointly issued the Great Wall "all-currency" international chip credit card, which not only eliminates the foreign currency conversion fee for swiping cards in any currency, but also adopts the internationally accepted EMV chip card standard.
In addition to ordinary dual-currency credit cards, there are some exclusive credit cards for studying abroad. For example, children under the age of 18 cannot apply for credit cards independently, but they can apply for supplementary credit cards for studying abroad. At present, China Bank, Industrial and Commercial Bank of China, China Everbright Bank, China CITIC Bank and China Guangfa Bank can apply for the above-mentioned credit cards for studying abroad, but some banks have strict requirements, requiring the holders of supplementary credit cards to be at least 16 years old.
In addition, there is a international student identity card co-branded card, which is jointly issued by banks and ISIC organizations. It can directly withdraw foreign currency from 1.4 million ATMs around the world. This card is equivalent to the "student ID card" issued by domestic schools, but it is mainly used abroad, and there are also some conveniences specifically for students, such as discounts on consumption and visits to museums. At present, banks such as Shanghai Pudong Development Bank can handle this kind of student ID card.