When traveling abroad, it is important to choose the right bank card, taking into account your personal financial needs, the financial ecology of the destination country, and the quality and cost of banking services. Here are some practical tips:
If you're looking to control your spending, a debit card may be a better option. It is directly linked to a personal bank account and can be spent through a pre-deposit. When you're traveling overseas, a debit card can help you stay on top of your spending and make sure you stay on top of your account balance. However, please note that once lost or stolen, it may cause large property losses due to the direct connection to personal bank accounts. 
Credit cards can also provide higher payment limits and more protection for purchases when traveling abroad. It is generally applicable to most shops and restaurants, and usually has good exchange rates and discounts. However, credit card fraud and fraud are more common in foreign countries, so it is important to be cautious when using them. When choosing a credit card, you can consider those that are accepted worldwide, have favorable exchange rates, and have low processing fees. For example, China Merchants Bank's all-currency credit card is exempt from annual fees and exchange fees, but it is reported that its Visa exchange rate is not cost-effective. If you have time, it may be a better choice to apply for an all-currency credit card from Bank of China, which supports both UnionPay and Visa, and the exchange rate is relatively cost-effective. In addition, you can also consider getting a credit card that provides emergency assistance services overseas in case of an emergency, so you can get timely assistance and support at a critical time. In short, when choosing a bank card to carry when you go abroad, it is recommended that you consider your personal needs and actual situation comprehensively, and choose a bank card that is both safe and convenient. At the same time, be sure to keep your bank card and password safe to prevent loss or theft.