there is no handling fee. China Merchants Bank's dual-currency credit card is dual-currency RMB and US dollar. If you use foreign currency in non-US dollar areas, there will be a 1.5% foreign exchange fee. For example, if you use it on a Korean website, the local currency is Korean won, but the credit card can only bill in US dollars. In this case, there will be a foreign exchange fee. Therefore, in the United States or the United States website, there is no handling fee if the local currency is US dollars. Directly issue a dollar bill with a dollar amount. If you want to repay in RMB, you can use the credit card to purchase foreign exchange in full. After the bill is issued, you can use RMB to automatically purchase foreign exchange to repay the US dollar bill at the exchange rate of 1: am of China Merchants Bank on the day of repayment.