All credit cards cannot be transferred. There is only one overdraft limit (for example, a limit of 3,000 yuan), which can only be used for consumption, such as overseas online payment, which China Merchants Bank supports. If you hold a CMB credit card with a VISA, MASTERCARD, JCB or American Express logo on the card, it can be used overseas (including Hong Kong, Macao and Taiwan) (including online payment).

Overseas credit card purchases through international lines will be settled in U.S. dollars. If the consumption amount is non-U.S. dollars, there will be an exchange fee between the two currencies, which is 1.5% of the transaction amount. If the consumption amount is in US dollars, there will be no foreign exchange settlement fee.

Extended information:

Currently, China Merchants Bank’s credit card can provide three methods for transfer operations, namely ATM transfer, telephone cash advance and online banking cash advance, all of which require a credit card to handle business The transaction password has been set and the cash advance function has been activated. The fees, interest, and limits are the same as for the domestic RMB cash advance business, that is, within the available cash advance limit, the cumulative daily cash advance amount per card shall not exceed RMB 2,000, and the handling fee is 1% of the transaction amount, with a minimum Charge RMB 10 per transaction; do not enjoy the interest-free repayment treatment, interest will be charged at a daily interest rate of 5/10,000 from the transaction date to the settlement date, and compound interest will be charged on a monthly basis. (Supported currency: RMB)

1. Lenovo Computer V14 10th Generation Core Windows 10 system, search China Merchants Bank on Baidu, log in to the official website, and click "Online Payment Function Application";

2. Lenovo computer V14 10th generation Core Windows 10 system, search China Merchants Bank on Baidu, log in to the official website, click "VISA/MASTER Verification Service";

3. Lenovo computer V14 10th generation Core Windows 10 system, search China Merchants Bank on Baidu, log in Official website, activate VISA/MASTER verification service payment function.

When abroad, you can choose the card swiping machine corresponding to the card swiping route according to the credit card organization logo on the credit card (such as: VISA, MASTERCARD, JCB, American Express, UnionPay) to swipe the card.

Swiping a card on UnionPay lines will be settled directly in RMB; swiping a card on international lines will be settled in US dollars. Since overseas purchases by credit card will be settled in U.S. dollars, if the consumption amount is non-U.S. dollars, conversion fees between the two currencies will be incurred.

If the UnionPay line is used or the consumption amount is US dollars, no exchange settlement procedures will occur.

When abroad, you can choose the card swiping machine corresponding to the card swiping route according to the credit card organization logo on the credit card (such as: VISA, MASTERCARD, JCB, American Express, UnionPay) to swipe the card. There is no need to activate the card swiping function additionally. There will be a card swiping fee. Swipe cards on UnionPay lines, settle in RMB, and repay in RMB; swipe cards on international lines, settle in U.S. dollars, and repay in U.S. dollars, or enable the function of purchasing foreign exchange and repaying with a credit card. Warm reminder: If you take the international route, your purchases will be settled in U.S. dollars (except credit cards in all currencies). Therefore, if the consumption amount is non-U.S. dollars, there will be an exchange fee between the two currencies (approximately 1.5% of the transaction amount). If the UnionPay line is used or the consumption amount is US dollars, there will be no foreign exchange settlement fee. When swiping cards overseas, it is recommended that you choose UnionPay channels.