Mine is Bank of Communications MasterCard, which can give you some reference. MasterCard or VISA card are all settled in US dollars, which means that if you spend money abroad, as long as it is not RMB, it is all settled in US dollars, and 40 Hong Kong dollars is about 5 US dollars. If you don't open the automatic purchase of foreign exchange for repayment on the accounting day, you need to pay back the US dollars when you go to the bank, but generally we don't have US dollars in hand, so we will eventually go to the bank to manually purchase foreign exchange in RMB to pay back the US dollar account. ; In addition, it should be noted that no matter whether MasterCard or VISA card consumes non-US dollar currency, there is a handling fee for you to settle in US dollars. If I remember correctly, it should be 1.5%. This is deducted by converting the actual transaction amount into US dollars, which means that you spent the equivalent of HK$ 65,438+000, and two international organizations will charge you 65,438 in addition to our US dollar settlement. If you swipe Hong Kong dollars frequently, get a dual-currency card of RMB and Hong Kong dollars, and there is no handling fee! PSN consumption is not the settlement of UnionPay channel, which hurts!