When using VISA, MasterCard or JCB payment cards abroad, the main fees involved include handling fees and exchange rate conversion fees. If your card has dual logos of UnionPay and VISA, such as a U.S. dollar and RMB dual-currency card, there is usually no handling fee when making purchases through UnionPay lines. However, if you use the line of an international organization, such as swiping a currency other than the card itself (such as Japanese yen, Korean won), the international organization will charge an additional 1.5% exchange fee during the currency conversion process. The final amount credited will be converted into U.S. dollars according to the exchange rate, and the handling fee is included.

Credit cards, especially debit cards, are a convenient non-cash payment method that allow consumers to overdraw their credit limit for shopping or consumption, and then the bank will settle the payment with the merchant. Credit cards are usually issued by commercial banks or credit card companies to customers with qualified credit assessments as proof of credit.

In general, when using VISA cards abroad, you should pay attention to the fee differences in different situations and ensure you have a clear understanding of the additional costs that may be incurred.