Take it with you before studying abroad? Two cards and one gold? It will be another year of study abroad season. Students who leave high school and university go to other countries to study. According to the statistics of the Ministry of Education, in 2065, the total number of students studying abroad in China reached 339,700, 438+065,438+0. How about studying abroad? Do something? Personal funds? Recently, the reporter visited many banks, such as China Bank (2.75, 0.00, 0.00%), China Merchants Bank (Weibo) (10. 16, 0.08, 0.79%) and China Guangfa Bank (Weibo), which were unanimously recommended by financial planners? Two cards and one gold? And then what? Primary and secondary cards? , three-step easy financial management (Weibo).

Deposit for studying abroad as soon as possible.

Release? Money? Deposit in the bank is the first step. A financial planner of Ping An Bank told the reporter that the deposit for studying abroad should be made as soon as possible. She said that under normal circumstances, international students will enter the visa application stage after receiving the admission notice, and the deposit certificate is very important for the visa to pass. Under normal circumstances, international students need to provide proof of deposit for at least half a year, and each school has different requirements. According to the requirements of the school, the money is deposited in the bank, and the effective property includes time and current savings deposits and voucher-type government bonds. Therefore, it is best to use the passbook one year before applying for a visa and issue a deposit certificate to the bank 1~3 months before going abroad, so that the visa will be smoother.

Belt? Two cards and one gold? go abroad

How to put it? Money? Taking it out of the country is the second step. Cash, money orders, traveler's checks, international credit cards? Among the many choices, many financial planners suggested to reporters that it is best to bring them? Two cards and one cash? Go abroad.

? Two cards? Refers to savings cards and international credit cards. ? Credit cards are mainly used for all kinds of consumption in life. It is convenient to swipe your credit card abroad, and it is not difficult to swipe it anywhere. Almost every bank can handle international credit cards, and there is no handling fee at home and abroad. ? Ma Yufeng, financial manager of Guangfa Bank, said. ? But when you need to withdraw cash or transfer money, you need to use a savings card. So you must have a savings card. ? He added.

He said that with the savings card, family members can guarantee the living expenses of international students abroad in time through cross-border remittance, but cross-border remittance requires higher handling fees, including certain mail expenses. ? The mailbox fee and handling fee of each bank are different, and card selection, cash withdrawal and cross-border remittance are all possible. Shop around? This can save money to a greater extent. ? Taking the mailbox fee as an example, the reporter learned that China Bank needs to pay 150 yuan for each cross-border remittance, while Guangfa Bank only needs 50 yuan.

And then what? A piece of gold? It's cash. Ma Yufeng suggested that students should choose various ways when going abroad, and don't bring too much cash. On the one hand, for safety reasons, and on the other hand, because of the regulations of China's foreign exchange management, individuals can take foreign exchange with the equivalent of less than 5,000 dollars out of the country at most, and the excess can be confiscated according to law. So, use? Two cards and one gold? The way to go abroad is both safe and convenient.

Use? Master-slave dual card? Clever financial management

After going abroad, some international students are not good at financial management, and their parents who are far away from home are beyond their reach. Sometimes parents may transfer the living expenses for one year to their children's accounts, and the children will spend it in half a year. So, how can we effectively monitor children's consumption abroad and help children manage their finances?

In this regard, the financial planners of many banks have indicated that they can apply for an international credit card with a main and secondary card. It is understood that many banks have dual-currency credit card services for international students. Most of these credit cards have primary and secondary cards. International students use secondary cards to spend overseas. Parents can use the main card RMB to automatically purchase foreign exchange for repayment in China, or set the consumption quota of supplementary cards. Every consumption is reminded by SMS. In addition, the bank will send back the bills of its consumption abroad every month, so that parents can know their children's consumption abroad in real time at home.

This kind of credit card is mostly settled in US dollars, which can be repaid in the original currency to avoid currency exchange losses. Parents can also use RMB in China. The financial planner reminded that when using RMB for repayment, we should pay attention to the change of exchange rate. If the exchange rate changes greatly, the repayment amount may be higher than the actual consumption.

skill

How to use American bank cards?

Save your money and don't overdraw it.

How to use foreign bank cards correctly to avoid unnecessary losses caused by unfamiliarity? Miss Hou, an international student who lives in the United States all the year round, suggested that you should not overdraw your savings and checks.

It is understood that there are two main types of bank cards in the United States: a debit card and a credit card. For example, in the supermarket, the cashier often asks? Debit card, credit card or cash? The question is whether to pay by card or cash.

Debit cards are ordinary bank cards, which are slightly different from domestic bank cards. Debit cards have two accounts: a checking account and a savings account. When people swipe their cards at the cashier, pay by check and do most online shopping, they use the money in checking accounts. In some online payments, such as paying school rent or withdrawing money from ATM, you can choose to use the money in your check or savings account. You can transfer money freely between two accounts, but when you pay interest to the bank, you only count the money in your savings.

Therefore, Miss Hou suggested that when using a debit card, most of the money should be deposited in a savings account, and a small part should be put in a check, and then transferred out of the savings when the money in the check is used up. ? The advantage of this is that even if your debit card is unfortunately lost, others can only spend a small part of your check, and the money in your savings can't be taken out. ? Miss Hou said. But she also said to be careful whether the money in the check was spent. Once overdrawn, the bank will immediately impose a fine, which will be a meaningless loss.

Followed by credit cards, that is, credit cards. There is little difference between American credit cards and domestic credit cards.

In addition, she also said that it is precisely because American credit cards do not have a password that the cardholder's signature is on the back of the card. So if the card is lost, it is easy for others to imitate the signature consumption. ? But don't worry, as long as you call the bank and say that you didn't spend the money yourself, the bank will be responsible for making up the money and the loss will be borne by the bank? . However, foreign students have just come to the United States, and it will be more difficult to apply for a credit card directly because there is no credit history. ? But you can try to apply first, and it doesn't matter if you are rejected. You can apply at any time when your credit history is slowly accumulating. ? Miss Hou added.

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2. Understand the local culture and local way of thinking, do as the Romans do, and actively adapt to the environment. You can taste American life by visiting American families, watching local life movies, listening to VOA news materials and summarizing real experiences and feelings.

3. Expand the circle of friends, take the initiative to contact American society and make friends, instead of just chatting up China students. First of all, it is a dormitory roommate. Take the initiative to show their friendliness and enthusiasm, chat together, study pressure, and life troubles disappear immediately. Secondly, meet new friends, especially local friends, through international student centers, interest groups or participating in sports and entertainment activities. Unconsciously, you find yourself gradually integrated into the local society.

4. Part-time and self-help tours. Part-time jobs such as fast food restaurants, video stores or clothing stores are also important ways to feel the local culture. At the end of the semester, you can even take a self-help tour with a few friends and feel the local multiculturalism along the way, which is definitely fruitful.