To study in the United States, you need to apply for a young black VISA card, which is a dual-currency card.

Dual currency card

Dual-currency cards take the UnionPay network in China, and credit cards abroad can take the UnionPay network or the VISA network. The difference is that taking the UnionPay network can save 1-2% of the currency conversion fee. After returning to China, it can be directly converted into RMB, and there is no need to exchange foreign exchange for repayment.

Quota, cash withdrawal and installment

The black visa for young people is suitable for college graduates after 2003, with a minimum of 5,000 and a maximum of 50,000, which can be cashed 100%. The cash withdrawal fee is 2,000 yuan per 5 yuan, and the daily limit is 2,000 yuan. No matter whether you are in different banks or in different places, you can apply for installment by spending 500 cents at a time. There is also a youth card gift area.