The subject asked about studying in Britain. My answer is not only aimed at Britain, 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 cards. Generally, parents will give their children a supplementary card before they go abroad, so that they can use it when they need to pay some tuition or living expenses for the first time. 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 RMB/USD dual-currency credit card. However, for students studying in Europe and America except the United States, I suggest handling RMB/Euro or full currency credit cards.

RMB/Euro credit cards, as the name implies, can be used to directly consume euros or RMB. In euro zone countries, credit card consumption and ATM withdrawal can be settled directly in euros. Compared with the dual-currency credit card whose currency is settled in US dollars, it can save 1.5% of the foreign currency exchange fee, and avoid the exchange fee and exchange rate risk loss 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 currency exchange fee of 1.5% 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, 1.5% foreign exchange handling fee is exempted for consumption or cash withdrawal. All foreign currency transactions are automatically purchased in RMB and only need to be repaid in RMB. Is it a great gospel for the baby studying abroad?

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

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