Many netizens need to apply for international credit cards when going abroad. There are two kinds of international credit cards. One is universal, such as the dual-currency credit cards of Bank of Communications, ICBC and Bank of China. Since the US dollar can be used in almost all countries and regions, if it is consumed in non-US regions, although the exchange fee of 1%-2% is required, the exchange rate settlement of international credit cards is based on the exchange rate purchased by international credit card organizations, so it is still more cost-effective than the exchange rate used by individuals to purchase foreign exchange. The other one is especially suitable, such as the euro card and the yen card of the Bank of China. The bookkeeping currency and settlement currency are both euros or Japanese yen, which are directly converted into RMB to reduce the exchange rate loss caused by foreign exchange exchange.
To apply for an international credit card, you need to know the following:
1. Individuals with full capacity for civil conduct and stable income can apply for personal cards from card issuers with their valid identity documents and related materials. Individuals can apply for personal master cards with different banks and different credit lines, and can also apply for supplementary cards for spouses or relatives with full civil capacity.
2. The applicant should fill in the application form and sign a credit card collection contract with the card issuer. According to the application materials and credit status, the card issuer determines whether to approve the card issuance, card issuance type and credit limit.
To apply for an international credit card, you usually need to pay a certain deposit. The specific amount varies from bank to bank, even from city branch of the same bank.
4. Qualification of master card applicant: Any individual who has reached the age of 18, has full capacity for civil conduct, has a stable income source and good credit standing can apply for a personal credit card master card from the bank card issuer with his valid identity document.
5. Qualification of supplementary card applicant: The main card holder can apply for supplementary cards for natural persons over 15 years old with full capacity for civil conduct or limited capacity for civil conduct. If the supplementary card applicant is under 65,438+08 years old, it must obtain the consent of its legal representative.
6. The cardholder of the main card shall bear all debts arising from the supplementary card.