How to choose a bank card for studying abroad in the fall of 22 years? Lightning protection and pit avoidance

How to choose lightning protection and pit avoidance for studying abroad bank cards

1, credit card or savings card?

In many cases, credit card payment in Britain does not require signature and password, so there are security risks. There are also many cases of credit card theft in Britain, so credit cards are risky!

To be on the safe side, set the quota according to the monthly expenses, and don't fully open the quota. Savings cards are relatively safer, and there are cases of card theft, but it is not common. What savings cards need to guard against is fraud, especially phone and SMS fraud that impersonates banks!

Suggestion: You can use one credit card, one savings card and two cards together. Parents apply for the main card, and international students use the supplementary card.

Domestic card or British card?

2. Domestic card

Domestic credit cards sometimes have problems. In Britain, when credit cards are paid online.

In some cases, SMS verification code is needed to pay, so domestic calling cards need to open international roaming to receive verification code conveniently.

Domestic bank card transfer requires cross-border handling fees, especially large payments, such as rent and tuition fees.

British card

It's a bit troublesome to apply for a British card. You need to get the certificate, passport and brp issued by the school to apply. The process is a bit complicated and the time is a bit long. After successful processing, it will be delivered to the apartment by express delivery.

The British savings card can be tied with an apple wallet, which is very convenient to use. And if you need to withdraw cash, you can withdraw it directly from the ATM. Bank cards have app service, which can be operated directly online (however, you need to remember the password, it is easy to lock the account if you enter the wrong password, and it is very troublesome to unlock it).

Suggestion: bring a small amount of cash to the UK and deposit it in a bank card.

3. Dual currency card or full currency card?

Suggestion: use a full currency card, which may be used when the plane transits Europe, just in case.

Visa card is more convenient to use in Britain, and can be directly used as a London underground card.

Preferably a domestic credit card (full currency card)? British savings card