If you plan to study in Canada, you can first apply for dual-currency credit cards from banks such as Bank of China and China Merchants Bank in China (parents can apply for a main card and a supplementary card for you, because students can't directly apply for a main card for themselves). In Canada, you can spend directly by credit card, and the repayment can be repaid by domestic parents. After you register in a Canadian university, you open an account in a local bank and apply for a credit card for students.