How to apply for an international bank card? Just bring my second-generation provincial card and go to the bank to open it. International bank cards are generally credit cards, which are used for consumption, but now China Bank can withdraw money, and there is no such business for the time being. Because the international card is a credit card, the handling fee is charged periodically; Pay attention to the validity period of the international card. Once you receive the notice of card replacement from the bank, you should go through the formalities of card replacement in time.

Bank of China, Industrial and Commercial Bank of China and Guangdong Development Bank, Great Wall International Card of Bank of China with visa logo, Peony International Card of Industrial and Commercial Bank of China and Foreign Exchange Card of Guangdong Development Bank are three global bank cards. The three international cards used now can be subdivided into debit cards and credit cards. International debit card holders must open a foreign exchange account or deposit a certain amount of reserve fund in the bank in advance. After spending abroad, the bank will deduct the account from the card, and the cardholder cannot overdraw. The application processing time is generally 3 to 10 days.

International credit card holders can spend first and then pay, allowing overdraft, but the application time is long, because they have to evaluate the applicant's assets, occupation, credit history and other personal circumstances. Experts suggest that it is a good choice to apply for a debit card, because the procedure is simple and time-saving. Moreover, the annual fee for handling international cards is cheap, and the current handling fee is relatively low. However, if you want to enjoy the convenience of debit card and the function of credit card overdraft, you might as well get a short-term foreign exchange card of Guangfa Bank. This card is a credit card. The procedure is as simple as that of a debit card. There is no annual card fee.