1. Bank cards issued in China that can be overdrafted are divided into RMB cards and foreign currency cards. All foreign currency cards that can be overdrafted are real credit cards;

2. Application conditions and Steps:

1. When applying for an international credit card, you usually need to pay a certain deposit (that is, deposit it into the card). It is generally around US$500. The specific amount varies from bank to bank, and even to branches of the same bank in each city, so be sure to call your local bank to inquire about the specific deposit amount.

2. Take ICBC’s Peony International Credit Card as an example to introduce the application process.

The application conditions for Peony International Credit Card are:

① Anyone with full capacity for civil conduct ;

② Individuals whose work unit is located where the card issuer is located and who have a stable income can apply for a Peony Card at any local ICBC branch.