1. Major international credit cards: MasterCard, Visa, JCB and American Express. You can apply for a full-currency international credit card from the bank, and you don't have to pay the exchange fee when you go shopping abroad and take the international channel.

2. There are UnionPay and international channels for consumption abroad, and the UnionPay channel is settled in RMB. Since the consumption other than credit card 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. Card swiping through international channels (MasterCard, VISA, JCB, American Express) will be settled in US dollars. If the consumption amount is USD, no settlement fee will be charged. At the time of consumption, you can ask the merchant whether there is a UnionPay credit card channel, which is convenient to choose.