Hello, there are two basic credit card lines in Hong Kong, UnionPay line and international line (VISA, MASTERCARD, JCB, American Express). 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 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, 0.5% of the transaction amount of 65438+. If the consumption amount is USD, no settlement fee will be charged. When spending, you can ask the merchant if there is a UnionPay credit card limit, which is convenient for you to choose.

For other questions, please open www.cmbchina.com, the homepage of China Merchants Bank, and click "Online Customer Service" in the upper right corner to enter the consultation.