First, you deposit money first and then use it with a debit card. To put it bluntly, you are using your own money. When using a credit card, you are using money from the bank. Once the card is lost or stolen, the object of worry is completely different. Therefore, banks have set up many security measures for credit cards to ensure users' security when using credit cards.

Second, since bank cards have different products from five credit card organizations (VISA, MasterCard, American Express, JCB and China UnionPay), most of us currently apply for UnionPay credit cards, and many of them abroad In some places, it may be easier to accept Visa or MasterCard credit cards other than UnionPay. We recommend that in addition to applying for a UnionPay card, you also apply for a Visa or MasterCard credit card to use at the same time

Third, when using a bank card overseas, you need to consider the cost of foreign exchange exchange and currency conversion fees. Currently, most credit cards waive currency conversion fees when used overseas, but debit cards do not. From a cost perspective, credit cards are also more cost-effective.

Fourth, the child has no source of income in the United States and cannot apply for a credit card abroad. Even if he can apply for it, it is only for small amounts and is only used for credit accumulation and daily consumption. Debit cards can be obtained at local banks, allowing students to deposit the expenses they carry with them into the bank. If you bring a domestic credit card, it will be easier for your children to use for daily consumption. Although there is no fee for swiping the card, there is still a fee for withdrawing cash. Since the credit card payment environment abroad is very mature, it is more convenient to use credit cards for daily expenses.

So, you can follow the advice of your colleagues and apply for a credit card.