hello! If you spend on the MASTER line, the extra US dollars will automatically offset your consumption debt. If you hold our credit card with VISA, MASTERCARD, JCB or American Express logo, you can use it overseas (including Hong Kong, Macao and Taiwan). Credit card overseas consumption through international routes 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. 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.