If you apply in Kunming, it will be a bit troublesome to cancel the card when you return more than half a year later. Of course, you can continue to use it, but when you go back and repay the loan, you have to make inter-bank transfers through the four major banks, and it is not cost-effective to charge handling fees.

It is recommended to apply for a CCB card. ICBC's credit limit is low, and it's inconvenient that Bank of China can't repay at an ATM.