1, VISA is an international organization, and it doesn't need to be linked with Alipay. To travel to Thailand, you can apply for a credit card or not. Because credit cards are used for overdraft consumption, you can swipe your card anywhere in the world as long as you have the VISA logo, as long as you pay back the money you spent before the account period, thus saving you the risk of bringing cash. Not only ICBC, but all banks can do it, and it is best to do dual cards.

2. If there is a UnionPay logo, you can deposit and withdraw money, but you have to charge a certain handling fee. Credit card withdrawal fee is higher. It is recommended to use a credit card and try not to withdraw cash. If you have to withdraw cash, use a savings card.

3. As long as you swipe your credit card enough times a year, you don't need to pay an annual fee, usually ranging from 3 to 5 times, depending on the regulations of each bank. Moreover, credit cards do not need to deposit money, and there will be no interest if you deposit money.