There are no local or remote problems with credit cards. The POS card swiping machine swipes the card directly, and the handling fee is borne by the merchant, and the cardholder does not have to bear any handling fee.
If you withdraw cash directly from ATM (advance cash), there will be differences between local and remote places. For example, ICBC and Minsheng's credit cards do not charge a handling fee for local withdrawals, while banks such as China Merchants Bank charge a handling fee of 1% for ATM withdrawals, whether local or off-site. It depends on which bank's credit card.
It should be reminded that many banks have issued their own brand credit cards and provided various off-site and inter-bank financial services such as "off-site foreign currency credit card swiping and local RMB repayment". However, different banks charge different fees for this service. Therefore, whether it is a credit card or an ordinary card, the cardholder must find out the handling fee he needs to pay for the banking services he enjoys before going abroad or going abroad. If you swipe your card in different places, it will bring some unexpected expenses to the cardholder, so remind consumers not to be confused by some words such as "free" in the advertisement.