When you want to use it, you should first ask whether the store accepts foreign credit cards. There is a difference.

If you use an American (foreign) credit card (as stipulated by the issuing bank), there may be other charges besides the handling fee. The 3% you mentioned should be the exchange rate conversion fee, that is, when you buy things in one currency (RMB), you have to convert them into another currency (US dollars) when you enter the account, and the issuing bank will charge you the exchange rate conversion fee.

In addition, some banks will charge real service fees.