If it is a smart card, it can be divided into UnionPay card and international card:
When UnionPay cards are consumed, the transaction currency is the local currency where the transaction takes place, and the settlement currency is RMB. We don't charge for credit card consumption. The minimum handling fee of RMB 10 yuan is charged for withdrawing money from ATMs abroad (except Japan and the United States) through UnionPay system. At the same time, withdraw no more than RMB 10000 from the ATM every day.
When using an international debit card, there are two situations:
1. Take the route of international organizations. The transaction currency is the local currency where the transaction takes place, and the settlement currency is US dollars.
2. With the UnionPay system, the transaction currency is also the local currency of the transaction place, and the settlement currency is RMB.
Credit cards only have the exchange rate of currency exchange, and there is no handling fee. When withdrawing money from overseas (except Japan and the United States) through the ATM of UnionPay system, the minimum handling fee is 10 yuan RMB. If through international organizations, the handling fee is 1% of the transaction amount, with a minimum of $2 and a maximum of 100. When an international debit card is used for POS card swiping or ATM cash withdrawal in a non-US dollar area, a foreign currency exchange fee (about 65,438+0.5% of the transaction amount according to the relevant regulations of international organizations) will be charged when taking the route of international organizations.
If it is a credit card, there are currently two basic credit card lines in our bank, namely UnionPay line and international line (VISA, MASTERCARD, JCB or American Express, etc.). ). swipe your card on UnionPay online and settle directly in RMB; If you swipe your card on an international line, it will be settled in US dollars. Since the credit card consumption abroad will be settled in US dollars, if the consumption amount is not US dollars, there will be an exchange fee between the two currencies, that is, 65438+ 0.5% of the transaction amount, and the exchange fee will be charged by the bank on behalf of international organizations. If the consumption amount is USD, no settlement fee will be charged.
"If you have any other questions, I suggest you add" QQ "or" WeChat "for online consultation.
Method 1: Search for "4008205555" among QQ corporate friends and add "China Merchants Bank Credit Card Center" as a friend;
Method 2: Search "cmb4008205555" on WeChat, and pay attention to China Merchants Bank Credit Card Center.
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