At present, China Merchants Bank has two basic credit card swiping lines. Hong Kong can brush UnionPay line and international line (VISA, MASTERCARD, JCB or American Express, etc. ), and the UnionPay line is cheaper. 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 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. )