If you often go abroad or study abroad, apply for a foreign currency card;

Often in China. Then there is no credit card in any currency. As long as it's a credit card.

Concepts of credit card, foreign currency card and ordinary card: Bank cards are divided into domestic cards and overseas cards according to whether the issuer is in China.

"Domestic card" refers to a bank card issued by a domestic commercial bank, which can be used both at home and abroad;

"Overseas card" refers to a bank card issued by a foreign-funded financial institution or a foreign-funded non-financial institution established overseas and can be used in China.

Credit cards and debit cards are divided according to whether credit lines are given to cardholders.

"Credit card" refers to the bank card issued by the issuing bank to the cardholder, which gives the cardholder a certain credit limit, and the cardholder can spend first and then repay;

"Debit card" refers to the bank card issued by the issuing bank to the cardholder without credit limit, and the cardholder deposits first and then uses it.

Domestic cards are divided into personal cards and business cards according to different card issuers.

"Personal card" refers to the bank card issued by the issuing bank to individuals;

"Corporate card" refers to the bank card issued by the issuing bank to enterprises, institutions, organs and social organizations, and authorized by the legal person to use by a specific person.

According to the different currencies of accounts, they are divided into RMB cards, foreign currency cards and dual-currency cards.

"RMB card" refers to a bank card with both deposits and credit lines in RMB, and should be repaid in RMB;

"Foreign currency card" refers to a bank card whose deposits and credit lines are both in foreign currency and should be repaid in foreign currency;

Dual-currency card refers to a bank card with both RMB account and foreign currency account, both deposit and credit line.