The Dutch Master covers a lot of areas. If you go to the Netherlands, it is best to apply for a Master credit card. Visa and Master are two international credit card issuers. Like China's UnionPay, they do not issue credit cards themselves. In terms of acceptance, Visa cards are accepted by more merchants in Asia, Australia and North America, and Master cards are accepted by more cash machines and acceptors in Europe.

In China, you can also apply for a visa or master credit card directly at a bank. Generally, you choose the four major state-owned banks. When applying, different users will receive different credit limits, which are generally determined based on the user's application information. Follow-up will follow. With continued use, the credit limit will increase.

After the user applies for a visa or master credit card and uses it abroad, he can repay it in domestic RMB. At this time, the bank will convert the currency. There should be no overdue repayment, because there will be penalty interest after overdue payment. The longer the time, the more the penalty interest will be, and the bank will collect the money after the due date.

After using a credit card, overdue credit cards will be uploaded to the credit reporting center, causing a bad personal credit rating and affecting subsequent applications for various loans. Moreover, after the overdue debt is returned, the overdue record will continue to be saved on the credit report for 5 years. After 5 years, it will automatically disappear and will not continue to be recorded on the credit report.