When applying for a study visa, the embassy or consulate of the destination country usually requires relevant certificates to prove its economic strength or credit status. This is the so-called visa credit certificate, which is issued by a powerful bank and has excellent market reputation, which can greatly improve the credibility and persuasiveness of the international students' economic strength and trustworthiness. Personal credit reference business refers to the business that a bank issues a bilingual credit reference for its customers, which truthfully proves the amount of its financial assets in the bank and its business dealings with the bank (including deposits, purchase of wealth management products, funds, insurance, account funds/physical funds, loans, credit cards, etc.). Credit certificate is a powerful and objective proof of personal financial strength, credit status and financial transactions. Personal visa credit certificate is part of this service of the bank.

At present, the contents of personal credit certificates that banks can issue are different. Take ICBC as an example, including: personal deposit (including voucher/savings bonds), personal purchase of book-entry treasury bonds, personal purchase of local and foreign currency wealth management products, personal purchase of funds, personal purchase of insurance, personal purchase of account funds/physical funds, personal loans, personal credit card trustworthiness, personal credit card credit line and other business vouchers handled by individual customers in the bank.

When opening a deposit certificate, you need to report the loss at a bank outlet with your ID card and unfrozen deposit certificate. If you entrust others to do it for you, you should also show your agent's identity certificate.

After the deposit certificate expires, the personal deposit will be automatically terminated. If you want to terminate the payment in advance, you must return the original deposit certificate and power of attorney, show the original deposit certificate and personal identity certificate, and fill in the power of attorney for terminating the payment in advance. If the deposit can't reach the time limit required by the embassy, and issuing a deposit certificate is not enough to ensure a smooth visa, you can apply for a personal study loan from the bank to convert personal credit into bank credit and solve the problem of insufficient credit. At the same time, the bank will issue a certificate of personal study abroad loan according to the actual situation of study abroad loan.

Tiandao experts suggest: ● The information of the customer applying for opening a credit certificate must be consistent with the personal information recorded in the deposit account, relevant financial agreement, transaction document or passbook or bank card used for handling credit certificate.

● The amount of deposit certificate or certificate of holding wealth management products shall be at least the sum of tuition fees and average living expenses.