Hello, there are two basic credit card lines in the world, UnionPay line and international line (VISA, MASTERCARD, JCB, American Express). If you swipe your card on the UnionPay line, it will be settled directly in RMB; If you swipe your card on an international line, it will be settled in US dollars. Since the consumption outside the 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, which is 1.5% of the transaction amount. If the consumption amount is USD, there will be no settlement fee. When you spend money, you can ask the merchant whether there is a UnionPay credit card line to facilitate your choice.

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