Hong Kong has many banks, and opening an account with a bank linked to the school can make future tuition payments easier. For example, CityU is linked with Hang Seng Bank, and tuition can be transferred directly at the ATM. Additionally, parents transferring tuition fees from the mainland may also find it more convenient.

Moreover, various banks in Hong Kong promote their credit cards, which are free of annual fees for students. Different banks' credit cards can enjoy discounts at various stores, so it is recommended to apply for a credit card linked to your favorite stores, as it can offer significant savings. However, I hope everyone pays attention to their credit issues and remembers to deposit money into their credit cards by the end of the month.