Hello, if you hold our credit card with VISA, MASTERCARD, JCB or American Express logo, you can use it overseas (including Hong Kong, Macao and Taiwan). Spending by credit card abroad through international routes will be settled in US dollars. If the consumption amount is not USD, there will be an exchange fee between the two currencies, which is 65438+ 0.5% of the transaction amount (2% for American Express). If the consumption amount is USD, no settlement fee will be charged.