What credit card do you use to go abroad?

When going abroad, you can use a dual-currency credit card or an international credit card issued by a general bank. For example, the bank's UnionPay -VISA double-label card or UnionPay-MasterCard double-label card can basically meet the consumption needs of most overseas regions.

I personally recommend China Bank's international credit card. After all, it is the first bank in China to issue credit cards, and BOC's international credit cards are still quite easy to use. Bank of China/Great Wall Global Link series credit cards launched by Bank of China, as well as Great Wall International Card, support RMB settlement in various foreign currencies, free of exchange fees, and enjoy many overseas credit card activities. Dealing with foreign currency is also the strength of China Bank, so many people who want to go abroad are willing to apply for a credit card from China Bank.

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Precautions for using international credit cards:

1, preferential exchange rate: In order to avoid this charge, it is best to use cards of any country and currency. At present, most international cards are US dollar cards, but it is more troublesome to go to Australia, and there is no Australian dollar card in China. However, there are euro cards. At present, both Bank of China and Bank of Communications have Euro cards. In addition, BOC and ICBC also have Hong Kong dollar cards. Therefore, if you go to study in the United States, the choice is the most, and basically all banks' international credit cards will do; If you study in Europe, you can choose Europa; If you study in Japan, you can choose JCB card.

2. Fees charged by international organizations: International cards are automatically converted into various currencies at the real-time exchange rate at the time of consumption. This conversion is completed by international card organizations such as VISA and MasterCard, and a handling fee of 1% will be charged.

3. Annual fee: There is an annual fee for credit cards. Although the annual fee is not very high, it needs special approval to avoid the annual fee. Of course, there are also bank regulations now, and the annual fee can be waived after a certain number of times.