What are the international credit cards? How to apply for an international credit card ?

International card types: One is the global type, such as the dual-currency credit cards of Bank of China, Industrial and Commercial Bank, and Bank of China. Since the US dollar can be used in almost all countries and regions, if consumed in non-US areas, although a 1%-2% exchange fee is required, the settlement exchange rate of international credit cards is based on the exchange rate of large-scale purchases of international credit card organizations, so it is still more cost-effective than the exchange rate used for personal purchases. The other is a special application type, such as Bank of China's Euro card and Yen card, with the accounting currency and settlement currency both in Euros or Yen, directly converted into RMB, reducing the exchange rate losses caused by foreign exchange conversion. Application qualifications: 1. Individuals with full capacity for civil conduct and stable income can apply for a personal card with their valid ID and related documents to the issuing bank. Individuals can apply for personal main cards with different banks and different credit limits, and can also apply for supplementary cards for their spouses or relatives with full capacity for civil conduct. 2. Applicants need to complete the application form and sign a "Credit Card Use Contract" with the issuing bank. The issuing bank determines whether to agree to issue the card, the type of card, and the credit limit based on the application information and credit status. 3. Handling international credit cards usually requires a certain amount of deposit. The specific amount varies from bank to bank, and even from branch to branch of the same bank. 4. Main card applicant qualifications: Individuals who are 18 years old, have full capacity for civil conduct, have a stable source of income, and have good credit can apply for a personal credit card main card with their valid ID to the bank's issuing bank. 5. Supplementary card applicant qualifications: The main cardholder can apply for a supplementary card for a natural person designated by them who has full capacity for civil conduct or is over 15 years old with limited capacity for civil conduct. If the supplementary card applicant is under 18 years old, the consent of their legal guardian must be obtained. 6. The main cardholder is responsible for all debts incurred by the supplementary card. Documents that applicants must provide: 1. Proof of identity or other identity documents accepted by the bank. 2. Employment certificate (stamped with the seal of the unit's personnel department). 3. Proof of income (generally the original work certificate stamped with the seal of the unit's finance department, such as bank salary payment or bank account statement or copy of passbook as required by the bank). Precautions for using international credit cards: 1. Annual fee. Credit cards all charge annual fees, although the annual fees are not very high, but waiving the annual fee requires special approval. Of course, now some banks also stipulate that a certain number of transactions can waive the annual fee. 2. International organization fees. International cards are automatically converted into various currencies at the time of consumption according to the current exchange rate, and this conversion is done by international card organizations such as VISA and MasterCard, and a 1% handling fee is charged on the consumption amount. 3. Exchange rate discount. To avoid this fee, it is best to use a card in the currency of the country you are visiting. Most international cards are now US dollar cards, and it is more troublesome to go to Australia, as there are no Australian dollar cards nationwide; but there are Euro cards, currently Bank of China and Bank of China have Euro cards. In addition, Bank of China and Industrial and Commercial Bank also have Hong Kong dollar cards.

It is recommended to bring two credit cards, one VISA and one MasterCard.