Especially the full prize, how many dollars do you bring to the United States? If you study abroad, the scholarship will not be awarded immediately. It usually takes about 2 months to make a buffer. And as will be mentioned later, you need a deposit for renting a house, running a mobile phone and other places. Generally, the deposit needs at least hundreds or hundreds of dollars. Some schools may also need full scholarship students to pay miscellaneous fees or part of tuition fees, or they may need to buy medical insurance themselves. Also, when I first came here, I needed to buy a lot of things, as well as rent and so on, so I needed about $3,000 (if the rent is particularly high, such as new york, I need a little more). If it is at your own expense, you need to pay tuition and fees for a quarter or a semester, and then you need to buy medical insurance, plus the living expenses later. Bole said that this situation will require more money.

2. The main ways to bring money are:

A. Dollar cash: Now, as long as you bring your passport (visa) and ID card, you can exchange dollars at any foreign exchange point such as Bank of China. According to the regulations of China Customs, at present, individuals can't take more than US$ 5,000 in cash out of the country, while the regulations of US Customs are that there is no need to declare under US$ 65,438+US$ 00,000. When changing money, be careful not to change only hundred-dollar bills. In fact, hundred-dollar bills are rare in the United States (in some places, even notes marked 100 are not accepted because it is difficult to exchange). It is better to change more 10 and 20 dollar bills, and it is better to change them into 1 dollar bills. Generally speaking, domestic banks cannot exchange US dollar coins. The color of dollar bills is relatively simple, generally dark green, and some new versions are khaki, and all kinds of bills are the same size, which is different from RMB.

B. International credit cards: namely, credit cards issued by domestic banks that are settled by international credit card organizations such as Visa/MasterCard/American Express. Generally, we have already applied for a credit card when we pay the application fee, so we can take this card with us. If we feel that the credit limit is too small, we can solve it by storing money in the card or applying for a gold card. Generally speaking, in the United States, it is no problem to use this card for POS machines, but it is not particularly easy to use when shopping online. Credit cards of China Merchants Bank and China Construction Bank are recommended here.

C. Traveler's checks: Traveler's checks can be processed in China Bank. It is characterized by safety, reliability and convenient exchange (there are tens of thousands of free cash exchange points in the United States, not only banks but also hotels). The maximum face value is $ 1000, which is easy to carry. If it is accidentally lost or stolen, you can report the loss, make claims and make emergency compensation. American Express traveler's checks are processed in China Bank. The disadvantage is that the handling fee is relatively high, about 1%-0.5%.

D. Draft: People can use draft when distributing points or paying application fees. I won't elaborate here. You can Google it if you don't know. The advantage of the draft is that it is relatively safe (if it is lost, it can be reported, and it says that the payee can't cash it if he doesn't take it) and easy to carry. The disadvantage is that the exchange speed is slow and it takes several days to arrive.

E. T/T: Remittance to external account through domestic banks. But this requires an American account. Swift code and account number of the bank where the account is located are required for remittance. Wire transfer is generally cheaper and faster. "I" used China Merchants Bank's international wire transfer, and there is basically no big difference between international wire transfer and domestic bank remittance. The main problem is the exchange rate. If banks in the United States may have to charge a certain wire transfer fee (I received $25 for the remittance of $5,000, but this fee seems to have nothing to do with the remittance amount), it is best to find out in detail from the relevant bank personnel before remittance.

Here is a special introduction to CCB's "Anjiale" remittance. Remittance to Bank of America (BOA) through China Construction Bank. In Shanghai, Beijing and other cities, there is no handling fee for remittances below $2,000, and they arrive the next day. Please consult your local CCB for details. It should be noted that not every branch will do. Try to ask at a bigger branch. In the United States, you can open a checking account and tell your relatives and friends at home:

Check the account number (note that it is not the card number of your debit card) B. Account name, name pinyin c. Swift code d. ABA number (it is unnecessary, you'd better write it down) E. Bank address (it is unnecessary, you'd better write it down) C ~ E Ask the staff when they can open the card.

With so many methods, how should we make better use of them? Let's talk about studying abroad in Bole. A small amount of money, no more than $5,000, is recommended to bring cash directly. If you need to bring about 10000 dollars, you can consider $5,000 in cash and the rest in traveler's checks. If you need to pay tuition and miscellaneous fees, it is recommended to use a draft. Generally speaking, schools accept money orders. It doesn't matter that the bill amount can be a little more than the amount required by the school. The school will refund the excess. Students who pay their own expenses can bring their living expenses at one time, or let their families remit them monthly by wire transfer or other means. In this way, you can not only enjoy the benefits of RMB appreciation, but also reduce the money you bring for the first time. You can do this when you open a checking account. Don't carry cash in the checked box, because the checked box may still be lost, although the probability is small.