Studying in Malaysia: UnionPay cards are very useful

UnionPay cards are divided into two categories: debit cards and credit cards. Their convenient, safe, fast features and personalized services make them an ideal choice for spending abroad. The best financial instruments. At present, the UnionPay card acceptance network has covered most countries and regions where Chinese citizens travel abroad at their own expense, and will further extend to wider areas of the world, striving to realize that UnionPay cards are used wherever Chinese people go. .

Use common sense:

1. Pre-departure verification

Before traveling to Malaysia, please check whether the front of your UnionPay card is printed ?UnionPay? logo. If not, please go to the specific card-issuing bank to apply for a new card. Whether it is a debit or credit card, please sign the signature strip on the back of the card. To ensure acceptance, please check with the card-issuing bank in advance whether it has opened Malaysian card service.

2. Scope of use

Currently, all stores and automatic teller machines (ATMs) with the UnionPay logo in Malaysia can accept UnionPay cards. Some stores may not have posted the "UnionPay" logo. You can also take the initiative to ask the store cashier whether you can use UnionPay cards through the UnionPay network. UnionPay cards cannot be used for bank counter transfers and cash withdrawals in Malaysia, and cash withdrawals cannot be made through merchant POS terminals. Currently, Citibank Malaysia’s ATMs can accept UnionPay cards, and many banks will gradually open UnionPay card cash withdrawal services in the near future.

3. Exchange rate

China UnionPay will convert the amount into RMB based on the market exchange rate on the day of the transaction and provide it to the card-issuing bank, and the cardholder's account balance will be deducted immediately.

4. Withdrawal limit

ATM machines in Malaysia that accept UnionPay cards can withdraw money by inserting or swiping the card. The daily cumulative cash withdrawals for each card shall not exceed the equivalent of RMB 5,000 in Malaysian ringgit cash.

5. Charging Standards

Cardholders do not need to pay any handling fees when swiping their cards in stores (the consumption amount is the amount swiped by the card); ATM withdrawals will charge handling fees, please refer to the specific charges. Check with the card-issuing bank.

6. Use and troubleshooting

When merchants use credit cards to purchase, please sign on the purchase form; the cashier checks whether the signature on the purchase form is consistent with the signature on the back of the card; whether it is a debit card or Credit card, you need to enter the password when swiping the card. If the card does not have a password, please press Confirm directly. If you lose your card, please call the card-issuing bank immediately to report the loss verbally, and then go through the relevant written procedures after returning to your country. When an ATM malfunctions, the cardholder makes a mistake or forgets to take out the card, the ATM will automatically swallow the card. Within 3 days from the date of card swallowing (postponed by holidays), please go to the branch of the ATM that swallowed the card with valid documents (passport, resident ID card, etc.) to go through the card collection procedures. If the card is not collected as required within 3 days, the card will be destroyed. Cardholders are asked to apply for a replacement card after returning to the country. If the account is debited when withdrawing cash but the ATM does not dispense cash, or if the account amount is excessively deducted when making a purchase, the cardholder should apply to the card-issuing bank to handle the wrong account after returning to the mainland. If you make a complaint about business acceptance, cardholders can directly contact the card-issuing bank in the Mainland.

Extended reading

In recent years, the number of people in my country studying abroad at their own expense has increased, cooperation between Chinese and foreign educational institutions has become increasingly frequent, and the overall situation is very good. However, due to the lack of a true and comprehensive understanding of the situation of foreign schools by some overseas students, study abroad agencies and domestic institutions, it has affected the correct selection of schools and normal cooperation. Some overseas students found that they were deceived after going abroad and suffered great losses. This question reminds you that you should pay attention to four aspects when applying for self-financed study abroad.

First, it should be noted that the education management system of each country is different, the size of the school is different, and the quality of education and teaching is uneven. In particular, many countries vigorously promote education as an export industry. In this context, in order to ensure that you choose a suitable school or partner for studying abroad, you should have an in-depth and comprehensive understanding of the school's actual school running situation, such as school running qualifications, conditions, levels, etc., through formal channels.

Second, if you choose a school that provides academic qualifications and degree education, especially private schools in some countries, be sure to find out whether the academic qualifications and degrees issued by the school have been approved by the education authorities of the country where they are located or other Do not choose schools that are recognized or registered by authorized authorities. Although they are approved by the relevant departments of the host country to run schools legally and can award degrees, the academic qualifications and degrees issued by them have not been evaluated or certified by the educational authorities of the host country or authoritative authorities authorized by them. Institutionally recognized or registered school. Judging from the relevant situation, although the operation of these schools is legal, the quality of running the schools is not guaranteed, the certificates issued are not recognized by professional organizations and society, and they lack the corresponding value of studying. Therefore, they should be avoided as much as possible.

Third, private schools and university preparatory schools in some countries, especially private language schools, are not in line with higher education institutions. Some countries do not have university preparatory courses at all, and universities in some countries only recruit students. International students who organize educational entities that are commercial companies should have a comprehensive understanding of these situations to avoid being misled by false information or false advertising.

Fourth, for those schools that are not included in the published list, or foreign schools whose qualifications are not well understood, be sure to understand their actual situation through reliable channels. In addition, if you use a study abroad agency to study abroad, you should also pay attention to signing a study abroad agency service contract that can protect your own interests. ;