Credit card transactions require the acquiring bank or merchant to request payment from CCB before they are recorded in the account. Therefore, the transaction details are not reflected in online banking in real time, and usually take one day.

If the credit card has the function of automatically purchasing foreign exchange (such as global payment card, UnionPay single-label card, EMV card, JCB single-label card), after overseas transactions, it is directly converted into RMB and entered into the account, then through various self-service channels When querying, just press the default RMB account to query (bills have been issued or not yet issued).

If the credit card does not have the automatic foreign exchange purchase function, after overseas transactions, you need to select a US dollar account first to check the details. However, overseas transactions may not be recorded in real time, and it may even take three or four days before transaction records can be queried. If the RMB is automatically converted, the final amount you query will be the RMB amount. If there is no automatic conversion, the amount you query will be the US dollar amount (if it is a European Travel Gold Card, it will be the euro currency).

Extended information:

Overseas consumption fees for China Construction Bank credit cards:

1. UnionPay credit card organization routes do not incur handling fees for overseas consumption. The UnionPay exchange rate is converted into RMB and recorded in the account.

2. Overseas consumption on VISA and MASTER routes: the card types held are ordinary cards and gold cards. There will be no handling fee for USD consumption, and the actual USD transaction amount will be recorded.

3. The types of cards held are ordinary cards and gold cards. Any consumption in foreign currencies other than US dollars will be converted into US dollars according to the exchange rate of the international credit card organization. During this process, an exchange rate of 1.50% will be charged. Handling fee.

4. The type of card held is a standard platinum card or a global payment card. No matter what foreign currency the consumption currency is, it will be converted into RMB at the exchange rate on the day of entry, and no exchange fee will be incurred.

5. If it is a UnionPay single-currency credit card, or a dual-currency credit card with UnionPay and VISA (or MasterCard) dual logos, there will be no handling fee when swiping the card overseas to use the UnionPay route.

Baidu Encyclopedia-China Construction Bank Long Card Credit Card