Do you have to bring a credit card when traveling abroad? . You can't get out without it.
you can travel abroad without a credit card. It is inconvenient to bring too much cash when traveling abroad, and there is no need to bring a credit card or a special visa card. With the increase of traveling abroad in China, UnionPay debit cards can be used at ATMs all over the world. Taking a credit card abroad will be beneficial to travel. The advantage of taking a credit card is that when the balance in your debit card is not enough to pay, you can pay with it.
Extended information:
The UnionPay network has not been fully rolled out. In some countries and regions, not every merchant can use UnionPay cards. At this time, it is necessary to have a Visa, MasterCard or JCB credit card. In order to avoid the currency conversion fee when you swipe your card overseas, you need to choose the appropriate foreign currency credit card before you travel abroad.
At present, in order to make it easier for cardholders to spend money abroad, all major banks in China have launched a credit card: all-currency credit card. With a full-currency credit card, you can spend money at any foreign merchant, and automatically convert it into RMB after consumption. You only need to repay it according to the RMB bill when it is due, which saves a lot of trouble for cardholders.
do I need a credit card to study abroad?
Foreword: Nowadays, many people want to study abroad when their living conditions or study are better. Of course, if children choose to study abroad, their parents will certainly support them, but there are many related matters that need to be paid attention to when studying abroad. Do you need to apply for a credit card when studying abroad?
1. It's more convenient to get a credit card
If you choose to study abroad, your future consumption will be made abroad, so the bank cards provided for some residents in some domestic banks may cause some inconvenience abroad. At present, many banks in China have launched a credit card for residents to spend abroad. This credit card is called a full-currency credit card, which means that you can spend money on this credit card, and it can be used universally without exchange rate conversion, which will provide convenience for residents living in foreign countries.
2. Full-currency credit card
This kind of credit card allows users to spend all their money at any foreign merchant, and then it will be automatically converted into RMB. At this time, it is only necessary to make repayment on the mobile phone according to the RMB bill, which also provides some protection for many people who can't convert the exchange rate, and also saves many cardholders a lot of unnecessary trouble. However, many students choose to apply for a local credit card in the place where they study abroad. Because foreign countries generally pay by credit card, it is more convenient to choose to apply for a credit card in the local area. If students choose to apply for a card in China, it is also faster. Both ways can help students pay.
Third, the benefits of applying for a credit card
International students who want to go abroad can apply for a credit card before studying abroad, which is of great benefit to students. First, it can enhance the safety of consumption, because some credit card companies in developed countries cannot guarantee the safety of China residents. Second, it can increase the personal credit limit. If you choose to settle abroad, if you use foreign credit cards for a long time and make repayment, you will get high credit locally.
what problems should international students pay attention to when using China Bank's credit card abroad?
Precautions for international students to use China Bank's credit card abroad:
1. Safety of credit card:
(1) Keep the "security code" properly:
The security code is 3 or 4 digits printed on the credit card, and the printing position of different types of cards will be different. It is usually used to prove that the payer owns this credit card at the time of transaction, so as to prevent credit card fraud. Please take good care of your credit card, and don't tell others the security code at will, or send credit card pictures with security code information to others.
(2) In case of any problem, report the loss immediately:
If you encounter the loss of your credit card abroad, please call the customer service hotlines of Bank of China at 86-1-6685566 and 86-1-6686569 as soon as possible, or use the Bank of China mobile banking or "China Bank Credit Card" WeChat WeChat official account-My Account-Report the loss and make-up card section and Colorful Life APP.
(3) Payment security lock:
It is recommended that you open the payment security lock, and control the domestic and overseas, card availability, consumption amount, card usage time, etc. according to the card usage requirements. In addition, you can close or open the credit card at any time by setting the "one-button card lock" function through the payment security lock. At present, you can set the payment security lock function through five channels: "China Bank Credit Card" WeChat WeChat official account-My Account-More-Payment Security Lock, Mobile Banking-Credit Card-One-click Lock Card, Colorful Life APP－-Credit Card-Payment Security Lock, BOC outlet counter and BOC credit card customer service hotline 46695566.
2. Handling fee prompt:
(1) Please use local currency in consumption abroad:
Some overseas merchants may provide dynamic currency conversion service (DCC) to convert the local currency of transactions into your bookkeeping currency in real time, which will generate additional exchange rate increase. In the case that the exchange rate fluctuation is not violent, it is recommended that you refuse this service and choose to settle in local currency.
(2) password input in consumption abroad:
When your credit card is in consumption abroad, it will be determined whether to use the password or not according to the requirements of merchants and card types. Some countries will adopt compulsory password verification for chip cards. It is recommended that you set the password for cash withdrawal before going abroad. You can call the customer service hotline of Bank of China at 4669566 to set it. If the merchant requires to enter a 4-digit consumption password, the first 4 digits of the 6-digit password are entered to complete the transaction.
(3) Overseas trading tips:
Overseas, you need to open the international roaming service of your mobile phone to receive SMS reminders from consumption abroad; Or search for "China Bank Credit Card" or "Boc-card" to follow the WeChat service number and bind your credit card.
the above contents are for your reference. please refer to the actual business regulations.
do I have to use a credit card to go abroad?
no, you can use other savings cards, such as unionpay card. Bank cards marked with the UnionPay logo can be used abroad. Places where foreign banks can use bank cards: First, foreign branches of China Bank, and second, foreign ATMs and shops with UnionPay logo. \ Supplement: ATM withdrawal abroad \ Many ATMs abroad can use UnionPay debit cards to withdraw cash, and customers do not need to deposit foreign currency in their cards, but directly deduct RMB funds from their cards, so please deposit enough RMB before going abroad. It should be noted that not all foreign ATMs have posted the UnionPay logo, but you can use the UnionPay debit card to withdraw cash as long as you see the CitiBank or Pulse logo on the ATM.
that's enough for the introduction of credit cards before going abroad.