A:
1. The one above is international, which means you can spend money abroad. If you spend money in China, you will be locked if you go abroad suddenly. If you want to call the bank consumption abroad, the annual fee is generally 8-1, and all banks are about the same price.
2. The one below is just an ordinary UnionPay credit card, and the annual fee also ranges from 2 to 1.
3. These two cards depend on how much you spend each year. Generally, you can avoid the annual fee for the following year by swiping them five times, but it also depends on the amount. For example, if the accumulated amount reaches more than 2,, I think you must swipe your card more than five times a year, and the accumulated amount will definitely exceed this amount. To put it bluntly, you will avoid the annual fee only if you spend money. If you don't have cash, you can overdraw it first, which is convenient for your life.
Extended information:
1. International credit card is a kind of card issued by banks and international credit card organizations to those with good credit standing and can be used for overdraft consumption worldwide. At the same time, this card is also used to confirm the identity of users on the international network.
2. Many banks have their own international credit cards, but it should be noted that before applying for a credit card, you should first understand the credit card risk clauses of the bank, and if the credit card is lost or stolen, you should immediately contact the bank to report the loss
3. Cards issued by members (banks) of an international card-issuing organization can be signed by the organization's special agents. This kind of card is called an international card. As we all know, the three major international organizations VISA, MASTER and JCB. Among them, VISA has the highest market share, followed by MASTER and JCB, but JCB is very easy to use in Japan, but not necessarily in other places. Although JCB is also an international card, some online shopping does not accept JCB.
4. Generally, international credit cards use US dollars as the settlement currency, and international credit cards can be overdrawn (spending first and repaying later). The common credit card brands in the world are mainly Visa, Master Card, etc. Major domestic commercial banks also offer international credit card services, so you can easily apply for credit cards at the bank counter. It should be noted that there is no interest on deposits in international credit cards.
Reference: Baidu Encyclopedia: International Credit Card.