The main question is about studying in the UK. My answer is not only directed at the UK, but actually covers all European and American countries (except the United States). Mainly divided into two ways: domestic card handling and local card handling.

1. Let's talk about domestic card processing. Before the general international students go abroad, parents will give their children a supplementary card so that they can use it when they need to pay some tuition or living expenses when they first go abroad. General dual-currency credit cards include: RMB/USD, RMB/Euro, etc. If you are going to the United States, you can directly apply for a dual-currency credit card with RMB/USD. However, for students studying in Europe and the United States except the United States, I suggest to apply for RMB/Euro or full currency credit cards.

RMB/Euro credit card, as its name implies, can directly consume both euros and people's currencies. In euro-zone countries, credit card consumption and ATM cash withdrawal can be directly settled in euros. Compared with dual-currency credit cards whose currencies are settled in US dollars, it can save 1.5% foreign currency exchange fees and avoid exchange expenses and exchange rate risk losses caused by multiple currency conversions. However, the limitation of this card is that if children travel or study outside the euro zone, they will incur a 1.5% currency exchange fee when spending other currencies.

is there a simple and rude method that can be used directly under any circumstances? Yes, let's get a full currency credit card! At present, many banks have launched all-currency credit cards. No matter what currency, consumption or cash withdrawal will be exempted from 1.5% foreign exchange handling fee. All foreign currency transactions are automatically purchased in RMB and only need to be repaid in RMB. Is it a great gospel for babies studying abroad?

2. Another way is to apply for a credit card at a local bank after going abroad. Most foreign banks attach importance to students' consumer groups, encourage students to open accounts and deposits in the bank, and often take the initiative to open accounts and apply for credit cards at universities during the semester, so it is also very convenient to handle them.

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