Do you need a credit card to study abroad?

Personally, I think you need a credit card to study abroad. Because you are away from home in case of emergencies, and it is not as convenient to buy air tickets and bus tickets abroad as domestically, you can buy air tickets and bus tickets with a credit card. However, just apply for a credit card. It doesn’t need to be many, and don’t use it for overdraft. If you get used to overdraft, your life will become more and more tiring, and you will be kidnapped by money for the rest of your life.

What’s the use of a credit card if you don’t overdraw it? Mainly for emergencies. Let me give myself as an example.

I personally did not apply for a credit card until 2006. At that time, I felt that I did not have strong self-discipline. I was afraid that I would overdraw if I had a credit card, that I would be unable to control my personal finances, and that I would spend money lavishly. After all, I would not worry about money when I swipe my card. At that time, I insisted that I was a "card-free person" and I was proud of it.

Later I encountered payment difficulties, and I couldn’t do it without a credit card.

Since 2007, the way money is paid has undergone major changes. I was young at that time, not yet forty years old, and I loved traveling very much. I couldn’t say that I traveled on a budget or as a luxury traveler. I was just like ordinary people, going out once or twice a year. I am usually frugal and save money just to go out and have fun. So I would choose to fly, which is faster and saves time (there was no high-speed rail at that time).

How to buy air tickets before 2007? Basically, you just call the airline, and then someone will deliver the ticket to your door, paying you the money in one hand and the ticket in the other. That person also has a currency detector (a round-trip ticket for one person usually costs a few thousand more, and even more for two people). But after 2007, you must pay with a credit card to buy air tickets. At the same time, you can no longer go to the bank to book hotels, etc., and you must pay with a credit card over the phone.

As a result, it is difficult for me to move forward without a credit card.

I still remember that I made up my mind to apply for a credit card because I wanted to take my old mother to Hong Kong in 2008. She had not been to Hong Kong before and wanted to broaden her horizons, but she had to have it to book a hotel there. credit card. So I gritted my teeth and stamped my feet, broke my belief that I was a "people without credit card" and applied for a credit card.

From 2008 to now, more than ten years have passed, and I have only one credit card in my hand, and I will never apply for more. Moreover, the points of my credit card can be redeemed for air tickets. If you reach 10,000 points, you can redeem a long-distance air ticket from Guangzhou to Beijing, Xi'an, and Shanghai. If you want to go from Guangzhou to Harbin, it will cost more than 15,000 points. .

So after Alipay and WeChat Pay became popular, I still used to pay with credit cards because they require points.

Do I need a credit card to study abroad?

Foreword: Nowadays, many people want to study abroad when their living conditions or studies are better. Of course, parents must support their children if they choose to study abroad, but there are many things that need to be paid attention to when studying abroad. Do I need a credit card to study abroad?

1. It is more convenient to apply for a credit card

If you choose to study abroad, your future consumption will be done abroad, so some domestic banks provide some residents with The bank cards provided may cause some inconveniences abroad. Now many domestic banks have launched a credit card for residents to spend abroad. This credit card is called a full-currency credit card, which means that you can make purchases with this credit card, and it can be used universally without the need for exchange rate conversion. Convenience will be provided to residents living abroad.

2. Full-currency credit card

This kind of credit card allows users to make purchases at any merchant abroad, and then the money will be automatically converted into RMB. At this time, you only need to make repayments on your mobile phone based on the RMB bill. This also provides some protection for many people who do not know how to convert exchange rates, and saves many cardholders a lot of unnecessary trouble. However, many students choose to apply for a local credit card in the place where they study abroad. Because payment by card is generally done abroad, it is more convenient to apply for a credit card locally. If students choose to apply for a card at home, This is also faster, and both methods can help students make payments.

3. Benefits of applying for a credit card

International students who want to go abroad can apply for a credit card before studying abroad. This is of great benefit to students. First of all, it It can enhance the security of consumption, because some credit card companies in developed countries cannot protect the safety of Chinese residents. Second, it can increase your personal credit limit. If you choose to settle abroad, then if you use foreign credit cards for a long time and make repayments, you will get high credit locally.

Is it necessary to use a credit card when going abroad?

No, it’s not necessary to use a credit card when going abroad. It’s just that credit cards are more convenient and you don’t need to carry a lot of cash. Some people find currency exchange troublesome, so you can use a credit card directly according to your needs. to decide whether to apply for a credit card.

This ends the introduction on whether a credit card is necessary for going abroad and whether to bring a credit card or a debit card when going abroad. I wonder if you found the information you need?