The UnionPay credit card of Harbin Bank can be used in the United States. When using UnionPay cards overseas, you should identify the UnionPay logo posted on the ATM of merchants or banks, and only the places where UnionPay logos are posted can accept UnionPay cards. The same merchant may have multiple acceptance networks, so when shopping with a credit card, it is best to remind merchants to settle accounts through the "UnionPay" network.

Bank credit card can withdraw cash when applying for overseas quota, and the overseas quota can only be activated in consumption abroad.

Overseas cash withdrawal amount:

1. overseas cash withdrawal amount: the daily cash withdrawal limit of general unionpay channel is equivalent to RMB 10000 yuan.

2. Restrictions on overseas cash withdrawal: The daily cumulative cash withdrawal of each household on overseas non-UnionPay lines shall not exceed the equivalent of 1 ,000 USD, and the cumulative cash withdrawal within 1 month shall not exceed the equivalent of 1 ,000 USD within 6 months.

3. Overseas cash withdrawal fee: the overseas cash withdrawal fee is 3% of each cash withdrawal amount, with a minimum charge of USD 3 or 30 yuan RMB (American Express Card-Centurion Black Gold Card, American Express Card-Centurion Platinum Card, with a minimum charge of USD 5 or 30 yuan RMB). There is no inter-bank handling fee for cash withdrawal.