To study in the United States, the first important thing to do in the United States is to pay tuition. Therefore, classmates and friends can ask overseas schools whether they can use credit cards to collect tuition fees, and the international card organizations to which credit cards belong, such as VISA and MasterCard, to determine what kind of international credit cards to apply for in China.

In addition, after the applicant receives the card, it is best to sign it on the back of the card in time and try to keep a copy of the signature to prevent accidents.

At present, there are two main types of credit cards for studying abroad:

1. Universal dual-currency cards, such as US dollar dual-currency credit cards of Bank of China, Industrial and Commercial Bank of China, Bank of Communications and China Merchants Bank.

The dollar can be used in almost all countries and regions. If you spend money in a non-U.S. area, although you need a foreign exchange handling fee of 1%-2%, the exchange rate settlement of international credit cards is based on the exchange rate settled by international credit card organizations on the same day, so it is still more cost-effective than the exchange rate used by individuals to purchase foreign exchange.

2. Single-currency cards, such as USD cards, HKD cards, and Euro cards and GBP cards only introduced by BOC at present, are settled in USD, HKD, EUR and GBP respectively.

So, in the face of these two cards, how to choose? Maximum convenience and minimum cost? What about the principle? It is best to get a credit card in which country and currency, if? The goods are not the right version? It's not only troublesome, but also a currency exchange fee.

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