In foreign countries, POS machines in UnionPay and VISA channels can swipe their cards normally. All UnionPay routes are automatically recorded in RMB, and no formalities and handling fees are required. If you take the visa route and record in foreign currency, there will be a currency conversion fee of 1.5%.

VISA and UnionPay are two different card organizations. Cards starting with 4033 can be swiped at VISA and UnionPay respectively, which is a little wider than UnionPay 6226. In foreign countries, it is recommended to use UnionPay to swipe CITIC Credit Card, which is convenient for recording and free of charge. In addition, for repayment, you only need to call the customer service hotline to open automatic foreign exchange purchase, and you can directly repay RMB. The bill will be repaid at the exchange rate of the day.