If you travel frequently and just have time, you'd better apply for a visa or MasterCard in China. It is also very convenient to apply for a bank credit card now. You can APPly directly online and on the mobile app, submit the information as required, fill in the correct receipt information, and open it according to the prompt after receiving it. You can also go to the bank counter and generally ask for assets and employment certificates, depending on the requirements of each bank. Anyway, the more you prove that you have financial resources, the higher the credit line you can get.
If you apply for a letter of credit, it will be very convenient overseas. Even if you use a credit card, you only need to repay it at the exchange rate at that time when you return home.