It is more convenient to use a credit card to study in New Zealand.

It is more convenient to use a credit card to study in New Zealand.

Studying in New Zealand is a very difficult and headache thing. It is easy to save money conversion fees by using credit cards. The most convenient way to study in New Zealand is credit card. Let's take a look at what we should pay attention to when using credit cards.

Tip 1: Choose a dual-currency card or a single-currency foreign currency card that matches the settlement currency of the study destination, and easily save the currency conversion fee.

Foreign currency credit card is the most useful payment tool for international students. However, before applying, it is necessary to make a comprehensive evaluation of the world-wide degree of card products, the number of special merchants and the distribution of outlets to ensure the convenience of foreign credit cards.

At present, foreign currency cards issued by domestic banks still occupy the mainstream. Experts studying in New Zealand advise international students to apply for dual-currency credit cards or single-currency foreign currency cards, and the currency of their foreign currency accounts should be the same as the currency of the destination, which is convenient for saving currency conversion fees. At present, the Bank of China has issued foreign currency card products such as pound card, euro card and Hong Kong dollar card, which provides convenience for international students to study and live in non-US dollar areas. In this way, foreign students can use foreign currency when spending their credit cards abroad, and they can use RMB to purchase foreign exchange for repayment at home, which not only saves the currency conversion fee, but also avoids the exchange rate risk of a large number of foreign exchange exchanges in advance.

Tip 2: Use both the main card and the auxiliary card, spend rationally and use the card reasonably.

Parents can apply for supplementary cards under their own credit cards for their children to use abroad, and set an appropriate credit line according to the consumption level of the destination country. In this way, students without credit records can also have their own credit cards and establish a financial management concept of controlling their own expenses within the credit limit. Parents can also learn about their children's expenses through transaction SMS tips and bank monthly statements, which is helpful to cultivate their awareness of rational consumption. In addition, experts studying in New Zealand advise international students to develop a good credit concept, not only to ensure a good credit record through timely repayment, but also to check their credit status in time.

Payment card products are both safe and convenient, maintaining rational consumption, and only buying what you can afford by swiping your card is also a consumption concept that has been advocated. If you don't know much about your own expenses, I suggest you know your income and expenditure by writing or online bookkeeping, so as to reduce unnecessary expenses and better manage your personal property.

Tip 3: Take care of your card to prevent fraud and robbery.

When children live independently in a strange environment, parents' primary consideration is safety. Experts studying in New Zealand advise international students to take foreign exchange abroad in the form of bank cards, and spend mainly on credit cards on weekdays to fully ensure personal and property safety. Many countries have upgraded the EMV standard, so when applying for foreign currency credit cards in China, try to choose chip cards that meet this standard to prevent magnetic stripe copying and ensure the safety of credit card swiping. Online credit card consumption is designed with "SecureCode Verification" and "Zero Liability" clauses, so that overseas cardholders can enjoy the convenience of online payment with confidence.

Of course, the safe use of the card depends on yourself, so foreign students must take good care of the card. When the card is lost or encounters unauthorized transactions, they should report the loss to the issuing bank in time or immediately. In case of emergency, parents can apply to the issuing bank for temporary adjustment of the credit limit, and international organizations also provide cardholders with cash advance services in case of emergency.

Tip 4: Record important information and make emergency preparations in advance.

Remind students to record the customer service phone number of the issuing bank, the card number of the bank card, the emergency phone number of the destination for studying abroad and other important information. In case of emergency, you need to report the loss, change the card, advance cash and other services, you can call the emergency number anytime and anywhere, and the global service center will provide cardholders with 24-hour assistance.

Tip 5: Always pay attention to special items for studying abroad with bank cards.

Many domestic banks not only designed international credit cards and debit cards for international students, but also introduced attractive preferential items for studying abroad at the same time, such as airline ticket discounts for well-known airlines, overweight baggage consignments, baggage express discounts and so on. , and often introduce corresponding credit card consumption discounts for different markets.