I would like to introduce to you the importance of international credit cards for studying abroad. I hope it will be helpful to students studying abroad. If you want to know more about studying abroad, I will give you detailed answers. As the level of internationalization increases, more and more people are going abroad and using international cards more and more frequently. The following will introduce to you why you need to apply for an international credit card when studying abroad.

Why do you need to apply for an international credit card when studying abroad? The emergence of international credit cards has greatly facilitated domestic parents to provide money for their children. Moreover, international cards can be used for tipping in many overseas countries without any handling fees, and they can also enjoy a certain overdraft limit and interest-free period. Credit card networks in European and American countries have extensive coverage, so international credit cards have naturally become the first choice for studying abroad.

Generally speaking, international credit cards are divided into single-currency and dual-currency cards. As for dual-currency credit cards, most of them have a primary and secondary card. International students use the secondary card to make purchases abroad, and their parents directly use the primary card to automatically purchase foreign exchange and repay in RMB at home. Since the consumption limit of the secondary card can be set, each transaction There are text message reminders for consumption, and the bank will send back the children's bills for their overseas purchases on time every month, so it is very suitable for understanding students' financial status overseas, and it can also help children establish rational consumption habits. In addition, if the child's expenses abroad only involve some simple consumption, this method can also save a lot of remittance fees and is more convenient to operate, so it is naturally favored by many families studying abroad. When using international credit cards, you need to pay attention to the following matters:

1. International card maintenance. The magnetic strip of a bank card records a lot of customer information and is easily magnetized. Therefore, do not place magnetic items such as mobile phones and PDAs together with the card. It is best not to place cards close to each other.

2. Pay attention to the currency. When swiping your card abroad, pay attention to the currency of the purchase amount. For example, there is a huge difference between the small currency value of 1 Japanese yen and 1 US dollar.

3. During the process of using the card. Before going out, you should bring your bank card to try it out in advance and solve any problems as soon as possible. When using, try to avoid swiping your card multiple times in a short period of time. After using the card, keep the transaction receipt properly.

4. Interest calculation. International credit cards are credit cards that encourage cardholders to use bank money for consumption first. Therefore, customers who are accustomed to depositing money first and then spending will not receive any interest if they deposit foreign currency to an international credit card first. However, international debit cards deposit money first. After consumption, there is current interest on the money saved.

5. Consumption and shopping. When making a purchase, the merchant will ask you to sign the transaction receipt. Please check whether the amount is correct before signing, and then sign after confirming it is correct. The name on the signature form must be the same as the name and handwriting on the credit card. Never sign a signing form with a blank amount or an incomplete form.

6. Stay in the hotel and rent a car. The methods of using credit cards for hotel accommodation and car rental are not the same as for general consumption. When making a reservation, the hotel will usually ask you to provide your credit card number as a basis for guaranteeing the reservation, and give you a reservation number for confirmation when you check in. If you want to cancel your reservation, you must ask the hotel for your check-out cancellation number as a cancellation voucher. When checking out, fill in the consumption amount on the signed bill, and then you can sign on the signed bill. The situation with renting a car is similar to accommodation.

7. Return. As is the custom with credit card transactions, as long as you sign the receipt, you confirm and are obliged to pay the amount. If you need to return the product, please communicate with the store first. If you want to return or exchange other products, please ask the store for the original invoice.

8. Online shopping. First of all, try to choose a reputable shopping website. For shopping websites that you have never heard of, it is best to avoid contacting them. IE browsers currently provide encryption functions. Especially when shopping with credit cards online, the browser will appear on the web page with a golden key, a small golden lock, or a confidentiality dialog box. You must use this function skillfully when shopping online. .

9. Check the bill. After receiving the bank card statement, you should check it in time. If you need to check the account, you should call the customer service center within 15 days after receipt.

10. Pay attention to theft prevention. A stolen credit card may be used fraudulently, which will have a very negative impact on your credit.

So if you lose your card, you must report it as lost immediately. Even if the credit card never leaves your side, problems may arise if someone else takes a look at it. Therefore, the bank statement and password notification form must be sent to a safe address. After reading them, do not throw them away and keep them confidential.