Great Wall International Card of China Bank, Peony International Card of China Industrial and Commercial Bank, and foreign exchange card of Guangdong Development Bank are all universal and can be subdivided into debit card and credit card. \x0d\ Main difference: \x0d\ 1. 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 money with a card 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. \x0d\ 2。 International credit card holders can spend first and then pay, allowing overdraft, but the application time is long, because they need to evaluate the applicant's personal situation, such as assets, occupation, credit history and so on. \x0d\ Note: \x0d\ 1. Try to use international cards for consumption and less for cash withdrawal, which can reduce the withdrawal fee; \x0d\ 2。 If the credit card is overdrawn, you should try your best to return the overdraft within the interest-free period of 20 to 60 days, so as to avoid paying extra repayment interest and affecting the credit. 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.