If there are both UnionPay and VISA logos, it is a dual-currency credit card of China Merchants Bank and can be used both domestically and abroad. As for the handling fee, it depends on the country of transaction and the card swiping machine (payment channel) used to swipe the card: for example, when swiping a China Merchants Bank dual-currency card in Thailand, the merchant has a UnionPay card swiping machine, and the card is swiped using a UnionPay card machine, then the transaction amount will be deducted by UnionPay. The local currency, Thai baht, is automatically converted into RMB for accounting, and you can pay it back in RMB after you return home. No handling fees will be charged to the cardholder in this process; if when you swipe a CMB dual-currency card in Thailand, the merchant does not have a UnionPay logo and only has VISA, then As long as the VISA card machine uses its payment channel, VISA will convert the Thai baht into U.S. dollars for accounting. After returning home, you need to use U.S. dollars to repay the U.S. dollar debt of the credit card, or activate the automatic foreign exchange purchase and repayment function of the credit card (call customer service Or log in to online banking to activate it), and then repay in RMB. The repaid RMB will be converted into US dollars for repayment by China Merchants Bank. During this process, VISA will charge a currency conversion fee of 1.5% of the transaction amount (it will be included in the amount at the time of accounting and will not be listed separately). In addition, if it is an automatic purchase of foreign exchange for repayment, there will also be an increase in the RMB and U.S. dollar exchange rates. Some exchange losses. Conclusions and suggestions

1) When swiping cards abroad and there is a UnionPay logo, try to ask merchants to use UnionPay card swiping machines. If not, choose VISA;

2) Before going abroad, you can Call the China Merchants Bank Credit Card Center for manual transfer and tell the customer service that you will have a foreign card swipe. Firstly, you can report it to avoid receiving a manual call from China Merchants Bank when you swipe a card abroad to confirm whether it is a personal transaction and waste international roaming mobile phone charges. Secondly, you can apply for a temporary quota. , to cope with the higher consumption demand when swiping cards abroad.