At present, only Minsheng Bank accepts student cards, which are called international student cards. But it's very difficult for you to get your own card without attaching it. Since the CBRC issued a policy in 29 prohibiting all students with no fixed income from issuing cards, all banks have cancelled their student cards, including ICBC and China Merchants' college student cards. However, Minsheng, an international student card designed for students, is also attached to the main cardholder.

in fact, from the card surface and use, it is impossible to see whether it is a main card or an auxiliary card. I think the reason why you don't want to attach it is that you don't want your parents to control and know the amount of your card and the place where you spend it. There is only one way:

persuade your parents that you are an adult and want to control your own expenses. If parents are not at ease, they can call customer service to reduce the credit limit. Put the main card with you after issuing the card. Use a supplementary card when spending, and two cards can be used when repaying. (Satisfy vanity) But you should know that no matter what reason you have overdue, suspected cash consumption, etc., your parents will bear all the responsibilities. And if you have a large amount of spending abroad, some banks will call the main cardholder at the back office at the first time, and will not release the money until it is verified.

There is another illegal method: applying for false information or asking the agency to pay the fee. Because it is illegal, it is strongly recommended that you do so, and the specific process is not introduced here. Otherwise it will hurt you.

In addition, the question of which cost-effective way to leave the country is actually similar. The longest interest-free period of each bank is more than 5 days, and the difference is 3-5 days at most. There is no need to accumulate points or anything, not to mention that unless you spend hundreds of thousands a year, the difference is not too much. In fact, the most important thing is the difference between card issuing organization and cash

1 Card issuing organization:

If you go to Southeast Asian countries, it is recommended to use a card marked with VISA, and the exchange rate is very good.

if you go to Europe and America, it is recommended to use a card marked with MASTER.

Generally, there are two kinds of signs on the card, but it is rare that both V and M appear at the same time, usually UnionPay plus V or M.. No matter what the label of the card is, as long as the mainland application is used in the mainland, the function is the same, but there are differences in other places.

2 compared with cash.

if you happen to have coins from this country at home or have relatives and friends who can buy them at a very low exchange rate, it is recommended to hold cash (but cash is very dangerous and there are regulations for carrying cash when going abroad, which varies from country to country)

or you expect the exchange rate of this currency to drop sharply in the short to medium term. Of course, you can take as much as you can. Anyway, it won't be valuable for a while. Don't think too much about this factor, because the sharp appreciation and depreciation of the currency is not what we can expect.

The last sentence, if you go abroad. It is recommended to carry a dual-currency credit card. So you can brush foreign currency abroad. The family can just pay back the dollars directly. In addition, if you want to go abroad, you can get a credit card in a foreign country.

I have been engaged in the credit card industry for more than 3 years. The above experience is for reference only. If I write well, I will get extra points!