there is no geographical restriction on the use of all bank credit cards, and there is no handling fee for spending credit cards in different places. That is, there will be a handling fee for withdrawing money from different places. Generally speaking, there is no geographical difference in credit cards, because they are reviewed and issued by the head offices of all banks. However, some banks will issue regional cards, such as the Great Wall Credit Card of Bank of China, which are issued by the provincial branches of Bank of China. The Great Wall Card will distinguish between local and off-site, and the local cash withdrawal will be free of charge, and the interest on 1 yuan/transaction will be calculated separately from ATM cash withdrawal in off-site.