hello, if the card belongs to China merchants bank. At present, there are two basic credit card swiping lines in our bank, UnionPay line and international line (VISA, MASTERCARD, JCB or American Express, etc.). 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 overseas consumption of credit cards 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, and the exchange fee will be charged by the Bank on behalf of international organizations. If the consumption amount is USD, there will be no settlement fee. (If you use a full-currency credit card, you can spend 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 by purchasing foreign exchange in RMB. )

Ordinary one-card can only use the UnionPay route overseas. If the international debit card is used overseas, there are two situations: 1. Take the route of international organization, the transaction currency is the local currency where the transaction takes place, and the settlement currency is US dollars. 2. With the UnionPay system, the transaction currency is also the local currency where the transaction takes place, and the settlement currency is RMB. Credit card only has the exchange rate of currency exchange, and there is no handling fee. When withdrawing money overseas through the ATM of UnionPay system, the minimum handling fee of RMB in 1 yuan is 5‰ according to the transaction amount (in some countries (such as Japan and the United States), local accepting institutions may charge additional handling fees to cardholders). If through the international organization route, according to 1% of the transaction amount, the minimum is $2 and the maximum is $1. If you use an international debit card for POS card swiping or ATM withdrawal in a non-US dollar area, you will be charged a foreign currency exchange fee (about 1.5% of the transaction amount according to the relevant regulations of international organizations) when you take the route of international organizations.

"If you have any other questions, I suggest you add" QQ "or" WeChat "for online consultation.

method 1: search for "4825555" among QQ corporate friends and add "China Merchants Bank Credit Card Center" as a friend;

method 2: search for the number "cmb4825555" in wechat and pay attention to China merchants bank credit card center.

please click: /Common/default.aspx for details? Pageid=zxkf, thank you for your concern and support! "