At present, there are two basic credit card swiping routes of China Merchants Bank. Hong Kong local consumers can choose airline, UnionPay airline and international airline (VISA, MASTERCARD, JCB or American Express, etc. ). swipe your card on UnionPay online and settle directly in RMB; If you swipe your card on an international line, it will be settled in US dollars. Since the credit card consumption abroad will be settled in US dollars, if the consumption amount is not US dollars, there will be an exchange fee between the two currencies, that is, 65438+ 0.5% of the transaction amount, and the exchange fee will be charged by the bank on behalf of international organizations. If the consumption amount is USD, no settlement fee will be charged. If you use a full-currency credit card, you can spend in any foreign currency in the world, and there is no currency exchange fee. The function of purchasing foreign exchange will be automatically activated, and foreign currency consumption will be repaid with RMB. )