It is convenient to use an international credit card, but if you withdraw cash from the card, you have to bear a higher handling fee. If it is an international credit card opened in China, you can repay it in China after getting a foreign credit card. But it's best to pay in foreign currency. If the repayment is made in currency, the bank will deduct this part of the handling fee because of the conversion between currencies. Therefore, Italian students hardly use credit cards to withdraw cash, because every time they withdraw cash, they have to charge a handling fee of 1% and bear the interest on overdraft, which is higher than the interest rate of commercial loans. I suggest you don't have to use a credit card to withdraw cash. Also, if you want to use a credit card, I suggest that you still apply for a credit card locally (for example, if you study in Italy, you will go to Italy locally), instead of doing it at home and activating it in different places, which will have a freezing period for a while and is very inconvenient.

2. Traveler's checks

Traveler's checks have the advantages of small denomination and convenient use. A check can be made in 20 yuan or 30 yuan. Its function is similar to domestic personal checks, but it needs to be purchased in foreign currency.

Step 3 wire transfer

T/T refers to the remittance method in which the bank instructs the correspondent bank to pay the money to the designated payee by telegram, telex or global interbank financial telecommunication network. Because it uses telegrams as a settlement tool, the remitter must bear the cost of telegrams.

The wire transfer fee is divided into two parts, one of which is related to the wire transfer amount, namely 1%. The other part has nothing to do with the remittance amount, but with the number of transactions, that is, each remittance will be charged a telegram fee, which has nothing to do with the remitted RMB amount, and the fixed fee is 150 yuan/time. Therefore, the larger the remittance amount, the lower the fixed fee ratio of 150 yuan, which is naturally suitable for the current month.

4. Bill remittance

Ticket remittance is the first choice. Because he can give Italian students a certificate, we can carry it with us and report the loss in time. According to reports, bill transfer is a remittance method for RMB followers. Students can take it with them abroad, and they can immediately report the loss by phone with the ticket number after losing it. Moreover, the handling fee is cheaper. You only need to pay the remittance of 1%. Handling fee, capped in 200 yuan. What the United States and China lack is the slow arrival of funds. After the bills go abroad with the students, they should first collect them from foreign banks. It takes 10 working days for the bills to arrive, so people with plenty of time can choose this method. However, I still hope that everyone will use this method, at least in large amounts, because the retention barrier is relatively high.