Hello, if you need to use your credit card overseas, 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). , no need to activate additional card swiping function. When the card is swiped on UnionPay lines, the payment will be settled directly in RMB; when the card is swiped on international lines, the payment 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.

Credit card foreign exchange handling fee: 1. When using our bank's credit card for consumption through international organization lines (i.e. non-UnionPay lines) in non-U.S. dollar countries, cardholders need to pay a 1.5% foreign exchange handling fee. , convert the local currency into U.S. dollars, and the subsequent U.S. dollars credited to the account already include this exchange fee (the American Express Centurion Black Gold Card and the American Express Centurion Platinum Card are settled at 2% of the settlement amount). 2. There is no foreign exchange fee for U.S. dollar consumption. 3. UnionPay single-currency credit cards are processed in accordance with the latest regulations of China UnionPay and the Bank.

(If you have any questions about other China Merchants Bank credit cards, please search "4008205555" in QQ business friends and add "China Merchants Bank Credit Card Center" as a friend; or search "cmb4008205555" in WeChat to follow "China Merchants Bank Credit Card Center" "For consultation, thank you for your attention and support to China Merchants Bank!)