Whether Bank of China’s credit cards can be used internationally mainly depends on the type of card and the accepted payment network. If your credit card is marked with the VISA or MasterCard logo, congratulations, this foreign currency card can be used directly for consumption abroad without password verification. Just make sure there is enough balance in your card to complete the transaction at merchants or ATMs that comply with the card organization's logo.

Although credit cards with the UnionPay logo can also be used abroad, the conditions of use are slightly different. This type of card can be used at merchants and ATMs that support UnionPay without entering a password, but the payment and repayment currencies will be different. At merchants and ATMs marked by UnionPay, all transactions will be settled in RMB, while when using VISA or MasterCard networks, the transaction currency is usually foreign currency, such as US dollars. In these cases, you may need to use U.S. dollars directly or apply to purchase foreign exchange in RMB to repay the loan.

Therefore, if you plan to use a Bank of China credit card overseas, be sure to understand your card type and applicable payment network in advance to ensure a smooth consumption experience and avoid unnecessary currency conversion problems. Remember to keep an eye on your bills to maintain transparency and control over your transactions.