June 5438+last year 10 just went to Germany and swiped my credit card abroad. I use local currency by default, but the bank settlement is US dollars. The credit cards used by ICBC and CCB are all like this, so there will be a certain exchange rate loss, but it is very small and acceptable. Besides, isn't there a subsidy for business trips, so a little exchange rate loss can be ignored. Moreover, if you swipe your card more, you can increase your points and exchange gifts with the bank. It also saves the trouble of taking out too much cash. Nowadays, there are many foreign thieves, and China people are particularly vulnerable to theft. We should take more preventive measures and pay attention to safety. In addition, many shopping malls in Germany buy "duty-free" goods. Remember to ask for a tax refund form. Before returning to China, you can apply for tax refund at the airport customs. Sometimes things bought in shopping malls outside are cheaper than those bought in airport duty-free shops after tax refund. This requires you to pay more attention to the usual price of goods.