1. There are many UnionPay merchants overseas. If you hold a debit card or credit card with the UnionPay logo, you can use the UnionPay network to swipe the card and settle in RMB without paying currency conversion fees. You can also swipe the card at any domestic merchant. It's the same.

2. If you are not a UnionPay merchant and hold a dual-currency credit card with a US dollar and RMB account, you will need to pay a currency conversion fee of 1.75 per transaction when using it in a non-US dollar country. The U.S. dollar outstanding amount shown on the bill includes currency conversion fees. Just repay according to the outstanding amount shown on the bill.

Some overseas merchants will manually add a certain percentage of the amount as a tip to the original amount of the consumption bill, and collect it from the cardholder's account. This processing method is an international practice, and the cardholder must bear the payment. , you cannot refuse payment to the card issuing bank.

3. Please pay attention to the following matters when purchasing foreign exchange and repaying it after returning to China:

The amount of foreign exchange purchase is limited to the amount owed in the foreign currency account;

To purchase foreign exchange and repay U.S. dollars, you must Bring your valid ID and US dollar statement to handle repayment at the counter in the city where the card was issued.

You can also pay the RMB required for purchasing foreign exchange in time before the due repayment date to avoid interest and late payment fees, and apply to customer service in advance to purchase foreign exchange on your behalf.