出国度假 境外刷卡藏理财玄机
有越来越多的朋友选择去境外度假,享受异域风情。由于境外游所涉及到的文化、消费习惯,以及使用币种的差异,往往会让人在不知不觉中莫名其妙地多花了不少的冤枉钱。因此,专门整理了一些出境游的理财方法,只要在出门前多花一些心思,就能省去不少烦恼。
常规技巧
1.针对性选择双币卡
这样可节约可观的汇兑费用,消费者可根据自身不同需求办理。如日元信用卡对于经常跑日本的人来说就可节约汇兑成本。
2. 尽量使用银联卡
目前中国银联已经与中国港澳、新加坡、美国、法国等20个国家和地区建立了业务合作关系。持人民币银联卡在境外刷卡消费,可直接和多种外币进行人民币兑换,无须支付货币转换费,能节约不少开支。
3. 购汇还款要适当多存款
由于人民币汇率随时波动,假如你在计算购汇额时算得过于精准,可能出现打入账户的人民币不足以偿还外币的现象,导致有几分钱的外币欠款余额没还清的情况,也会影响信用记录。所以在购汇还款时有必要多存入一些零头。
4. 持贷记卡善用透支
各商业银行都推出了一卡双账户或一卡多账户的国际卡,一般有贷记卡和借记卡两个品种。国际借记卡无须任何担保、不必交纳押金,只需到银行存入一定外币,并提供有效身份证件即可
5. 信用卡退税方式多
境外购物一般分三种退税方法,第一种是退现金(在境外或回国)、第二种是退支票(邮寄回国)、第三种是退到信用卡里。现金退税手续比较烦琐,一般需要排队等候、准备资料、零钱兑换等。如果选择信用卡退税,你提交的信用卡必须是国际信用卡,比如VISA和Mastercard。
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