Hello, if it is a China Merchants Bank credit card, the credit card you hold from our bank has the VISA, MASTERCARD, JCB or American Express logo on the card, and it can be used overseas (including Hong Kong, Macao and Taiwan) (including online payment) . Credit card purchases overseas 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 US dollars, there will be no foreign exchange settlement fee