At present, more than 1 10 countries and regions have accepted unionpay cards. When a cardholder swipes a card with UnionPay card overseas, the transaction currency will be converted into RMB according to the exchange rate announced by UnionPay and credited to the RMB account of the cardholder's credit card, and no additional handling fee will be incurred. Consumers can repay their money directly in RMB after returning to China. In addition, when cardholders use UnionPay cards to withdraw money from UnionPay network at overseas ATMs, they not only don't need to charge 1%-2% currency conversion fee, but also the withdrawal fee paid to the issuing bank is much lower than that of other networks.

Pay attention to the credit card discount before swiping overseas.

Before traveling abroad, citizens can call the bank or go to the bank official website to learn about the special functions of overseas credit card consumption and see if there are any promotional activities for overseas credit card consumption. At the same time, spending abroad is the best time to accumulate credit card points. For example, the points earned by consumers who hold BOC Great Wall International Credit Card when spending abroad can be exchanged for airplane mileage awards.

three

Overseas credit card swiping needs to keep the credit card available normally.

When citizens carry credit cards in consumption abroad, they need to confirm with the issuing bank that the reserved mobile phone number is normal, and keep the mobile phone open so as to receive short messages from overseas credit cards. Once the card is lost or stolen, you need to call the bank customer service immediately to report the loss.