I am a sophomore here.

My mother gave me a visa credit card.

But the requirement is 16 years old.

It wasn't 16 when I came over.

My mother sent it later.

You can also bring cash.

Or just come and get your passport.

What bank card should children apply for studying abroad?

Hello, I am an exchange student in America now. I run the Bank of China.

It is convenient to swipe your card anywhere.

I hope I can help you.

What kind of bank card is convenient for children to study in Canada?

For students studying in Canada, they can apply for Canadian bank accounts in China, for example, the Bank of Montreal and Royal Bank have branches in China, or they can apply for scotiabank through China Everbright Bank and Dominic Bank through China Standard Chartered Bank.

Bank accounts in Canada are more complicated than credit cards. Therefore, before opening an account, we must understand and compare the business policies, characteristics, advantages and disadvantages of major banks in detail.

1, Canadian bank cards are basically divided into debit cards and credit cards (Visa).

Debit accounts can be divided into two categories: one is checking accounts. The second is a savings account (investment account). When paying the bill in the future, you need to choose one of them to pay the bill.

A checking account, which is similar to a current account in China, but different:

1) There is no interest on the funds in the checking account.

2) There will be a certain amount of free transactions in the checking account every month. The so-called transaction refers to a transfer of funds (whether transferred in or out, including but not limited to credit card consumption, cheque settlement, ATM withdrawal, counter withdrawal and pre-authorization transaction) by the bank in your account. After this limit is exceeded, the bank will charge a handling fee for each transaction.

Savings account, that is, savings account. Similar to a fixed account in China. There are also some differences:

1) The savings account needs to pay special attention to its few free transactions per month (1 or 2 times). If you use this account for settlement multiple times in a month, an additional service fee will be charged for each transaction! But one advantage of a savings account is that it can be withdrawn free of charge at any time. Automatic monthly interest settlement.

2) Different kinds of savings accounts have different interest rates.

3) Check transactions are prohibited in savings accounts.

2. About debit cards.

The debit card of the Bank of Canada contains multiple accounts. In other words, a card includes checking account, savings account and even credit card. So when you pay by debit card, you will be asked to choose between checking account and savings account.

3. About credit cards

Unlike China, in Canada, credit cards are more than just a means of payment. As a legal photo-free identification, owning a credit card is equivalent to establishing your lifelong credit record in Canada. Whenever you apply for services that need to provide proof of credit history (such as buying a car, renting a house, buying a house, etc.). ), the relevant company will investigate your credit history report, which will directly affect the result of your application. Therefore, when using a credit card abroad, please be sure to repay it on time, and don't maliciously swipe the credit card.

4. About banks

According to the scale of total assets, the top five well-known banks in Canada are:

1, Royal Bank of Canada.

2. Trust Bank of Canada.

3. scotiabank

4. Bank of Montreal

5.CIBC Canadian Imperial Commercial Bank.

Royal Bank of Canada

Royal Bank of Canada, founded in 1869, is the bank with the highest market value and largest assets in Canada and one of the leading diversified financial services companies in North America. Globally, Royal Bank of Canada has about 70,000 employees and branches in more than 30 countries, providing various financial services to more than 654.38+04 million customers.

Generally speaking, Royal Bank of Canada is the best Canadian bank. Most branches can maintain efficient operation, and there is basically no queuing phenomenon. Friendly service attitude. Furthermore, RBC credit card is very important for international students who have just arrived in Canada. ......

What kind of bank card is more convenient for going abroad?

In foreign countries, ATM machines with visa or master logo (the logo on your credit card) or UnionPay logo can, in principle, take foreign currency. Credit card or UnionPay card (pos machine with UnionPay logo is required) can be used for consumption abroad. If you want to withdraw foreign currency as you said, there is absolutely no need to use credit card or UnionPay card, because if you use these two cards to withdraw cash, you need a certain handling fee. The foreign currency of a credit card can only be US dollars. If you use UnionPay cards, you should deposit foreign currency in China in advance, and then use RMB to purchase foreign exchange for repayment. In short, it is not cost-effective, and there are still troubles.

Suggestion:

If you don't need too much cash to go abroad for a short time, you can change foreign currency at home or change it locally.

If you are going abroad for a long time, it is recommended to open an account locally and then remit money from China to an account abroad. If you are a western country such as the United States and Canada that can use traveler's checks or global money orders, you can go to the bank to handle traveler's checks or global money orders and bring them to the local area (these two kinds are equivalent to cash, which are common and convenient to use in these countries).

What bank card is more cost-effective for studying abroad?

China Bank has many foreign branches and domestic outlets, which is quite convenient. However, I heard that the service is very general and the procedures for exchanging foreign exchange are a bit complicated.

Secondly, I think China Merchants Bank is good and the service is quite good. There are not as many foreign outlets as China Bank, but it should be enough. In addition, the online business of China Merchants Bank is very convenient, and many things can be solved through online login. One disadvantage of China Merchants Bank is that domestic outlets are generally in big cities, and there are not many outlets in second-and third-tier cities, so it is not very convenient here in China. It doesn't matter if you live in a big city ~

What bank card does the child use to study in the UK?

Generally, VISA or master cards of Bank of China are carried with you, but you can open a student debit card of Bank of England after the children arrive, which is convenient for remittance and deposit in the future. Generally, you should apply for a bank card such as HSBC or Barclays.

What kind of credit card/debit card should my son apply for studying in the United States?

It depends on which bank you own. Almost all banks have this kind of international credit card.

There are two kinds of cards: primary card and secondary card. You take the main card and your son takes the secondary card. The supplementary card can be used at home and abroad, and the main cardholder pays the bill. When used overseas, it will be converted into RMB at the exchange rate of the day for settlement. Generally, there is no extra charge for swiping the card, and a certain percentage of handling fee is charged for cash withdrawal.

Then bring some cash and open a local bank account when you arrive in the United States. There are many American banks, depending on which one your son chooses. You can transfer the money to your son's account by wire transfer or check. Generally, when the telegraphic transfer arrives on the same day, the handling fee will be charged.

In fact, it is ok to use a local card when spending outside, and there is no need to accept this card. But it is more convenient to use in an emergency.

What bank card do I use to go abroad?

Malaysia has supported the UnionPay network, which can be used regardless of Visa/MasterCard or UnionPay card. Regarding the second question, there is no overseas bank card free of charge at present. But if you use a credit card, there will be no extra handling fee. When you use the UnionPay channel to swipe your card, China UnionPay will directly convert Malaysian ringgit into RMB according to the exchange rate of the day, and the amount of swiping your card is the consumption amount. If it is MasterCard or Visa, you need to add a certain percentage of currency conversion fee. You must have thought it over.

What is the best bank card to take abroad?

Wechat, binding bank cards, but some foreign countries are underdeveloped, but mobile payment is not good. Not as good as China.

Bank card: Bank of China, Bank of Communications.

What bank card should I apply for when going abroad?

Support dual-currency or multi-currency visa or master cards.

Bank card processing flow:

1. Bring your ID card and a small amount of cash to the bank branch;

2. Fill in the form with the assistance of the staff in the bank lobby;

3. Take the number and queue up, and copy the ID card with the assistance of the staff;

4. Call the counter number, go to the counter and give the completed form and ID card to the bank teller. When you apply for a credit card, you need to sign your name and enter your password. The password is six digits, so remember it after setting it. This is the password for future withdrawals;

You will get a bank card after all the formalities are completed. If you apply for online banking at the same time, you will also get a secret card or U shield.

6. After completing the card, take your own things and leave.