Can be used.

The single-currency credit cards we often talk about are UnionPay cards. This kind of card can only be settled in RMB when settling. Of course, it only accepts RMB repayment when repaying. In other words, as long as the POS machine you use to swipe your card has the UnionPay logo, you can use a single-currency credit card. From this point of view, there is no restriction whether it is domestic or foreign.

With the development of UnionPay, it has opened services in more than 80 countries and regions. Although there is still a certain gap with Visa and MasterCard, especially in European and American countries, there are great restrictions on using single-currency credit cards for consumption.

Since UnionPay cards are settled in RMB, there is no currency conversion fee for card purchases at overseas POS machines and domestic repayments. From the perspective of reducing the cost of outbound travel, it is still a good choice. . Moreover, after swiping a card overseas for consumption, you can repay the payment directly in RMB when you return.

Extended information:

Notes on using credit cards overseas

1. Overseas merchants and ATMs with the "UnionPay" logo can use the RMB account in the credit card Pay. At present, there are still few "UnionPay" channels abroad, so you need to prepare a dual-currency card or a full-currency card.

2. If the credit card has not been used for a long time, abnormal situations may occur, such as being accidentally damaged, or the magnetic stripe information is degaussed, making it unusable. Therefore, it is best to use it in advance before traveling far away to ensure that there is no problem in swiping the card when going out.

3. The cumulative daily cash withdrawals of each credit card shall not exceed RMB 2,000. The maximum amount of single cash withdrawal and the number of daily withdrawals for each card are different. Moreover, the ATM machine has a certain limit on the amount of cash withdrawn. There are also cap requirements. Therefore, the maximum amount for withdrawing cash from an ATM is dually affected by the regulations of the card-issuing bank and the acquiring bank, and the minimum value of the two shall prevail.

4. It is not the same as swiping a credit card for general consumption. If you want to book a hotel room, the hotel will usually ask you to provide your credit card number as the basis for the reservation guarantee, and give you the reservation number for confirmation when you check in. If you want to cancel your reservation, remember to ask the hotel for your check-out cancellation number as a cancellation voucher. Otherwise, the hotel reserves the right to charge the day rate for the booked room in accordance with international practice.

5. When using a credit card overseas, there are three columns of amounts on the credit card purchase form: basic consumption amount (BaseAmount), tips (Tips) and total amount (Total). Users can fill in the tip amount and actual consumption amount in the "Tip" column, add the sum and fill it in the "Total Amount" column, and then sign for confirmation after confirming it is correct.

The total amount must be calculated correctly. If there is an extra zero, the tip is too much. It should be reminded that when swiping your card abroad, pay attention to the currency of the purchase amount. For example, there is a huge difference between 1,000 yen and 1,000 US dollars.

Baidu Encyclopedia - Single Currency Card

Baidu Encyclopedia - Credit Card Swipe