You can choose whether to apply for studying in Japan according to your own needs. The basic functions of credit cards are the same, such as credit card consumption, online payment at home and abroad, installment payment, various++++,credit card points, accumulated credit, interest-free period of up to 50 days, etc.
Credit cards are issued to cardholders by banks or credit card companies according to the credit and financial resources of users. Cardholders don't need to pay cash when using credit cards, they will make repayment on the bill date. Credit card is generally a special carrier plastic card with consumer credit, which is 85.60mm long, 53.98mm wide and 1mm thick. It is issued by banks to individuals and units, so that they can shop, spend and deposit and withdraw cash from banks. The form is a card with the name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature on the back.
Japanese study visa or jcb?
Visa card and jcb card have different functions, and users can handle them according to their needs.
JCB is equivalent to China UnionPay in Japan. JCB card is a worldwide international credit card originated in Japan, and JCB card will have more preferential activities. At present, there are many banks that can handle JCB cards in China, but only China Bank JCB Lucky Cat Credit Card and Minsheng Bank JCB International Student Credit Card are used. Although the others are marked with JCB, their consumption is in the dollar channel, so they still need JCB cards from the perspective of saving money.
You need a VISA card to register for the exam in Japan. For example, TOEFL registration requires a visa channel. Therefore, this card user can only be used for registration and cannot be used for other things.
Visa, also translated as Visa and Visa, is a credit card brand managed by Visa International in San Francisco, California, USA. Visa card was issued in 1976, and its predecessor was a bank card issued by Bank of America.
On August 3rd, 20654381day, visa will be allowed to issue cards in China. On April 22nd, 20 16, Visa announced its financial report. In the fiscal quarter ending March 3 1, its net profit was $65,438 +07 1 billion. 20 17 In July, visa ranked 25th in the list of the most valuable enterprises in the world 100. 20 18 65438+ 10/2, visa announced that from April 1 day, consumers do not need to provide signatures when shopping with Visa debit or credit cards, thus announcing the end of the signature link that was once crucial to ensuring transaction security.
The difference between visa and UnionPay card is that UnionPay card is a high-quality, international national brand bank card with independent intellectual property rights. Visa is a credit card.
First, the visa payment processing
Visanet, the core network of Visa, is one of the largest trading and information processing networks in the world, helping financial institutions, customers, merchants, enterprises and government agencies to realize the transmission of value and information. For more than 30 years, VisaNet has provided an important platform for Visa's innovation and service. Nowadays, Visa provides customers with safe and reliable massive transaction processing (authorization, clearing and settlement) and value-added services through the centralized and integrated architecture of VisaNet.
Second, the main features of VisaNet
Scale: In 2009, the number of authorization, clearing and settlement transactions handled by VisaNet exceeded 65,438+0,065,438+0 billion. Strict test results show that VisaNet can process more than 20,000 transaction messages per second.
Reliability, VisaNet has four data processing centers on three continents. These processing centers are completely synchronized and use a consistent authorization platform, which enables Visa to transfer transaction processing volume from one data center to another at any time when necessary. At the same time, each new generation data center of Visa is equipped with multiple authorization engines, which is equivalent to "data center in data center". These advanced technologies help to ensure the availability and sufficient processing power of VisaNet system to meet the growing demand for electronic payment.
Security, it is precisely because of the centralized architecture of VisaNet that Visa can "see" every transaction handled by VisaNet, which enables Visa to score the risk of each transaction in real time with the help of Visa's "advanced authorization" service, thus making it possible to give an early warning first and stop fraudulent transactions before they occur.
Value-added services: Visa also provides various value-added services through the global centralized processing platform, such as enhanced risk management, dispute handling, cardholder loyalty application and other information services. For example, "Visa Reward Network" (VIN) can use the centralized processing power of VisaNet to provide personalized bonus points according to the needs and preferences of American cardholders.
What bank card is used for studying in Japan?
Question 1: What kind of bank card is better for studying in Japan? 1. Huaxia Bank Card.
Any debit card of Huaxia Bank has the function of making the first inter-bank withdrawal free of charge every day. In other words, there is no handling fee for withdrawing money in Japan. In China, put CNY in this card, and in Japan, you can withdraw Japanese yen from the ATM with the UnionPay logo. Such as 7- 1 1 convenient. If one day you really need your parents to give you some money, you can ask your parents to transfer the money directly to your Huaxia card in a domestic bank, which saves the high handling fee for transferring money to Japan. Huaxia Bank hopes that the exchange rate of state-owned banks will be lower. For example, the exchange rate of China Bank today is 6. 12, and that of Huaxia Bank today is 6. 15. Anyway, it won't be too bad. Moreover, Huaxia Bank has a large coverage in China, which should be available to all economists. You can choose chip card, beauty card and business travel card.
2. hengfeng bank Kyushu Card
This card has the same attributes as Huaxia Bank Card. It is a free function of the first cross-bank withdrawal every day. I recommend this card more than Huaxia Bank. Because the exchange rate of each bank is different, as mentioned above, Behavior 6. 12 is 6. 15 for Huaxia and 6. 13 for Hengfeng, which is more advantageous than Huaxia Bank in exchange rate. However, considering the small coverage of hengfeng bank in China, most of them are only available in the south, so if you have a card of Hengfeng, you can only choose Huaxia Bank.
3.JCB Yen Channel Credit Card
About JCB is equivalent to Japan's China UnionPay. JCB card can only be handled by credit card in China. At present, the domestic banks that can handle JCB cards are Bank of China, Industrial and Commercial Bank of China, China Construction Bank, China Merchants Bank and Minsheng Bank. Although all these banks can handle JCB cards, only the JCB Lucky Cat Credit Card of China Bank and the JCB International Student Credit Card of Minsheng Bank really use JCB yen channel. Although the others are marked JCB, they take the dollar channel.
Let me explain the yen channel and the dollar channel:
Dollar channel: When you swipe your card in Japan, you first convert CYN (RMB) into USD, and then convert USD into JPY. There will be two exchange rate differences, and there will be two handling fees in short. Some banks will charge an additional 1.5% currency exchange fee.
Japanese Yen Channel: When you swipe your card in Japan, you can directly convert CYN into Japanese Yen, and there is no currency exchange fee.
Back to the topic, when handling the China Bank JCB Lucky Cat Credit Card and Minsheng Bank JCB International Student Credit Card, China Bank will immediately stop handling this card, which is generally only available in branches, and some branches may not know this card at all. Also, it seems that only employees of state-owned enterprises can handle it, and the audit is more troublesome. Minsheng Bank will be more convenient than China. Then there happens to be 18 friends who can ask your parents to do it, then you take the attached card, and finally you swipe your card in China and your parents return it. ICBC has just appeared in the yen channel, so I don't know much about it and don't comment much.
4. cards with VISA logo
This card is easy to say. VISA's American logo covers the whole world. Someone asked why you still use VISA when you have JCB. In this case, you need to take the visa channel to register for some exams in Japan, such as TOEFL. This can only be used for registration, not for anything else. This credit card, which is easy to handle in any bank, has the sign of VISA. If you don't want to make credit card recommendation, you can make a debit card of Minsheng Bank with VISA logo. This card has no overdraft function, so you can spend as much money as you deposit. It takes a week to apply for this card. Did you tell him that the bank told him: I want to apply for an international debit card, and a dollar card will do!
5. Bank card covered by online banking on China website.
This card is even simpler! You can buy a card or get a new one with our usual website. What can this card be used for?
For example, when we want to go home, we must buy a plane ticket. Cards for websites with wide coverage are of course the first choice.
6. China Bank Card
Sometimes you need to withdraw a lot of yen from your card. Although China Bank charges a handling fee for cross-bank withdrawals, if you get a lot of yen, it seems that it is more affordable to use the card of China Bank than Huaxia and Hengfeng.
This is all the criteria. Let's answer some common questions.
A, unionpay can brush the problem:
In Japan, it is still possible for UnionPay to cover some big cities. For example, some places frequented by China tour groups can use UnionPay at 100%. But after all, that's where the tour group goes. Everyone should understand, right? The price should be higher. Then swiping UnionPay means directly changing Japanese into RMB, which is quite convenient without exchange rate difference and currency conversion. If one day you buy something and see unionpay. ......
Question 2: What bank cards can Japanese students apply for? First of all, tell everyone that domestic cards can be used in Japan. The following China bank cards can be used in Japan:
Huaxia bank card
Any debit card of Huaxia Bank has the function of making the first inter-bank withdrawal free of charge every day. In other words, there is no handling fee for withdrawing money in Japan. In China, put CNY in this card, and in Japan, you can withdraw Japanese yen from the ATM with the UnionPay logo. Moreover, Huaxia Bank hopes that the exchange rate of state-owned banks will be lower. For example, the exchange rate of China Bank today is 6. 12, and that of Huaxia Bank today is 6. 15. Anyway, it won't be too bad. In addition, the coverage of Huaxia Bank in China is still relatively large, and all economists should be able to do it.
Hengfeng bank Jiuzhouka
This card has the same attributes as Huaxia Bank Card. It is a free function of the first cross-bank withdrawal every day. I recommend this card more than Huaxia Bank. Because the exchange rate of each bank is different, as mentioned above, Behavior 6. 12 is 6. 15 for Huaxia and 6. 13 for Hengfeng, which is more advantageous than Huaxia Bank in exchange rate. However, considering the small coverage of hengfeng bank in China, most of them are only available in the south, so if you have a card of Hengfeng, you can only choose Huaxia Bank.
JCB Yen Channel Credit Card
About JCB is equivalent to Japan's China UnionPay. JCB card can only be handled by credit card in China. At present, the domestic banks that can handle JCB cards are Bank of China, Industrial and Commercial Bank of China, China Construction Bank, China Merchants Bank and Minsheng Bank. Although all these banks can handle JCB cards, only the JCB Lucky Cat Credit Card of China Bank and the JCB International Student Credit Card of Minsheng Bank really use JCB yen channel. Although the others are marked JCB, they take the dollar channel.
Card with VISA logo
This card is easy to say. VISA's American logo covers the whole world. Someone asked why you still use VISA when you have JCB. In this case, you need to take the visa channel to register for some exams in Japan, such as TOEFL. This can only be used for registration, not for anything else. This credit card, which is easy to handle in any bank, has the sign of VISA. If you don't want to make credit card recommendation, you can make a debit card of Minsheng Bank with VISA logo. This card has no overdraft function, so you can spend as much money as you deposit. It takes a week to apply for this card.
China website online banking covers better bank cards.
You can buy a card or get a new one with our usual website. What can this card be used for? For example, when we want to go home, we must buy a plane ticket. Cards for websites with wide coverage are of course the first choice.
China bank card
Sometimes you need to withdraw a lot of yen from your card. Although China Bank charges a handling fee for cross-bank withdrawals, if you get a lot of yen, it seems that it is more affordable to use the card of China Bank than Huaxia and Hengfeng.
Of course, in addition to China's domestic bank cards, you can also apply for Japanese local bank cards.
Bank (Postal Savings Bank)
In Japan, the most ATMs are postal stores, and ordinary post offices also have ATMs. Simple post offices without ATMs can also withdraw money with passbooks. Even if it is an outlying island with a permanent population, there must be a post office and no convenience store. 724365 is free, and remittance by peers at ATM is also free.
Zhuxin SBI bank card
Intra-day ATM(セブン bank) 724365 at 7- 1 1 is free, and inter-bank remittance is free three times a month. Many other ATMs are free five times a month, and deposits are free.
The above two cards are believed to cover almost all the cash withdrawal and remittance needs in Japan. Therefore, studying in Japan for these two cards is enough to cope with all kinds of expenses of life.
Going out will inevitably cost a lot of money, and it is much more convenient to have a bank card. Not only can you accept the transfer from relatives and friends, but you can also save the salary of working. For the sake of convenience, it is best to apply for a bank card of China and Japan to deal with the financial problem.
Question 3: What bank card should I bring to study in Japan? It is suggested that I can bring any card of Huaxia Bank or hengfeng bank Kyushu Card (debit card), JCB Yen channel credit card, a card with VISA logo, a bank card with better online banking coverage on China website, and a China bank card.
Question 4: What bank card should I choose to study in Japan? It's better and more appropriate. If you remit money in China, you'd better get a Japanese card after coming to Japan, such as Sumitomo Mitsui of Mitsubishi Bank. If you spend money, UnionPay can now directly brush in many shopping malls.
If you withdraw cash, you can say all these things, and so can VISA. Bank of China has a branch in Tokyo. Just go to Bank of China and get a VISA card.
Question 5: What is the credit card for studying in Japan for one year? Fifty cents. Take a Japanese yen with a value of 1 10,000 to 20,000 RMB. I just started to buy daily necessities, which is absolutely enough. Of course, if there are special expenses, you can calculate them separately.
In fact, international students still use more cash in Japan most of the time, because there is no big consumption. If you don't plan to buy anything expensive, there will be few opportunities to swipe your card.
3. If the bank card is only deposited by your parents and you withdraw it in Japan, I suggest you go to a bank in Japan after you arrive in Japan, and then ask your parents to deposit the money you need for one year. If it is a domestic card, a part of the handling fee will be charged in China and a part will be charged for withdrawal in Japan. Of course, some banks also have special services now. For international students, you can also consult carefully, such as Bank of China and HSBC, which is better. )
4. If there is a secondary card, there is no handling fee, but it is more than the local money. The reason seems to be that they have to buy dollars first, and then use dollars to buy S $ for repayment. According to the regulations of different banks, you must pay interest. Interest rates will definitely affect. As mentioned above, they are all converted into dollars first and then into yen. When it comes to exchange rates, interest rates can't escape.
I just went to Japan to get a bank card. It is very convenient to apply in Japan except those that have not been brushed. The key is low fees. Some banks also have a policy of free handling fees on a regular basis. You can think about it. It's just a personal opinion, so it's best to refer to a variety of opinions ~ ~
Question 6: What kind of bank card do I need to apply for studying in Japan? Many people are worried about what kind of card they need to apply for studying in Japan. My personal opinion is that there is no need to apply for a card in China, but you can do it in Japan. When going abroad, you are required to bring no more than 6,543,800 yen in cash. I'm sure most of them won't bring that much. You can apply for a card in Japan, but there is no need to do it in China.
Question 7: I am going to study in Japan soon. What bank card does Alipay WeChat usually bring? Both of them can be used in Japan, and there is a discount, unless it is in the countryside.
Question 8: What bank card should I bring to study in Japan? Can China Bank be used? UnionPay cards will do. There are many ATMs in Japan that support UnionPay, especially in areas where Chinese people live in concentrated communities, such as Ueno and Ikebukuro, and there is no interest in Japan's Qiancun Bank.
Question 9: What bank card should I apply for studying in Japan? Foreign students can apply for a bank account when they come to Japan. You can't do it in the first half of the year. Don't worry.
You can apply for a card in China in advance, or you can not do it.
If you do it in China, I suggest Huaxia Bank Card, because in Japan, Huaxia Bank Card can directly withdraw Japanese yen from ATM. If you need to remit money every day without charge, you can directly let your family++RMB on the card, and then you can withdraw it in Japan.
If you open a bank account in Japan, all major banks in Tokyo should support it. The handling fee for international remittance will be higher, and the fees charged by each bank will be different.
Question 10: how to apply for a bank card for studying in Japan? . . Get living expenses from China every month. . .
1, the largest banks in Japan are Mitsubishi Tokyo UFJ, Sumitomo Mitsui and Mizuho.
Among them, UFJ is famous for the convenience of overseas remittance, but the handling fee is not low. The handling fee for overseas remittance varies from bank to bank, but the average is around 3000-5000 yen/time.
2. Why do I need to apply for a China card when studying in Japan? Didn't you open an account in Japan?
It is troublesome not to open a bank account in Japan. Gas, water, electricity, rent, internet access and wages are all automatically credited directly to the account.
If you want to swipe your card, just get a credit card for international students. There are no handling fees, exchange rates and other issues. UFJ Bank is not recommended. His credit card application is notoriously strict, unless you are very lucky. Sumitomo Mitsui's application is relatively easy. In addition, there are many smaller credit card companies, which offer many discounts such as points, but most of them have annual fees.
Finally, I want to ask, because I am too curious. . No malice. Just curious.
Why does the landlord get his living expenses from China every month? Don't you work? There is nothing wrong with feeding yourself. If the tuition fee is not enough, please trouble your parents again.
Domestic money supports Japanese life, not small.
Let's stop here for the introduction of Japanese study abroad credit cards.