You don't have to use a credit card to go abroad, or you have to have a bank that can open an international card. For example, China Bank, Shanghai Pudong Development Bank and Agricultural Bank, that is, the card must have more than 5W of money. If it is an ordinary debit card, it can only be used in China. As for going abroad to apply for a credit card, it is more convenient because it can be directly exchanged for the same amount of foreign currency, or the same amount of foreign currency can be taken.