Generally speaking, a credit card refers to which bank card organizations are supported, and the ease of use is different for which bank, but the credit card rate and other aspects are related to the card organization. Visa has the widest network in the world, and MasterCard is a little worse. UnionPay also has a certain range of layout. In terms of rates, UnionPay is relatively cheap, and places with UnionPay can try to use UnionPay standards.

As far as the currency of credit cards is concerned, credit cards are currently issued in RMB and US dollars. If you consume other currencies, you need to transit through US dollars, which will cause certain exchange gains and losses.

To sum up, if you are often in consumption abroad, you can apply for ICBC's "ICBC Multi-currency Credit Card" to support direct consumption and payment of credit card products in multiple national currencies (currently, 10 foreign currency is supported), which can effectively save overseas payment costs.