Hello, if 1 holds a one-card VISA Gold Card/golden sunflower card to conduct overseas transactions, and there are two credit card lines, namely UnionPay Line and VISA International Line, the system will automatically select the transaction according to the priority network of the local acquiring institution, and the transaction at that time will prevail. (1) If the UnionPay system is used, the foreign currency will be converted into RMB at the current exchange rate of China UnionPay for deduction. (2) If VISA system is used and foreign currency is converted into US dollars according to the exchange rate of international organizations for deduction, the US dollar cash account will be deducted first; If the balance of the USD cash account is insufficient, call the USD cash account; The balance of the "dollar cash" account is still insufficient, so you can call the "RMB current" account again. The premise of using RMB current main account funds is that the customer opens the function of "RMB entrusted purchase of foreign exchange". Note: For cash withdrawal by POS card or ATM in non-USD countries or regions, the foreign currency exchange fee will be charged when taking the route of international organizations (according to the relevant regulations of international organizations, it is about 0.5% of the transaction amount of 65438+).

2 If you have our credit card, there are two basic credit card limits, UnionPay line and international line (VISA, MASTERCARD, JCB or American Express, etc. ). swipe your card on UnionPay online and settle directly in RMB; If you swipe your card on an international line, it will be settled in US dollars. Since the credit card consumption abroad will be settled in US dollars, if the consumption amount is not US dollars, there will be an exchange fee between the two currencies, that is, 65438+ 0.5% of the transaction amount, and the exchange fee will be charged by the bank on behalf of international organizations. If the consumption amount is USD, no settlement fee will be charged.

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