1. handling fee for international transactions, with the rate ranging from 1% to 1.5%, will be charged by the international card organization to the issuing bank. For example, Guangfa's VISA card is traded overseas, and VISA will charge Guangfa this fee, but it will ultimately be borne by the cardholder.

2. Currency conversion fees are charged by banks, and most banks charge 1.5% for overseas credit cards. However, platinum cards of many banks can be exempted from this part of the fee.

The dollar path is used for consumption, and the dollar is recorded in the account. When repaying, the cardholder needs to purchase foreign exchange from the issuing bank for repayment. The exchange rate used is the issuing bank's USD selling price on the repayment date, which is generally updated every morning 10. If you purchase foreign exchange for repayment before 10 in the morning, then you will use the selling exchange rate of USD of the issuing bank the day before.