China Bank Great Wall International Card, ICBC Peony International Card and Guangdong Development Bank Foreign Exchange Card are three global bank cards. The three international cards used now can be subdivided into debit cards and credit cards. Their main differences are:

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 if you travel abroad for a short time during the Spring Festival this year, it should be 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 consumption, experts further suggest that you may wish to apply for a short-term foreign exchange card of Guangfa Bank.