Hello, there are currently two basic credit card lines in Hong Kong, UnionPay lines and international lines (VISA, MASTERCARD, JCB, American Express).

When American Express credit card is swiped on UnionPay lines, the payment will be settled directly in RMB;

When swiping on international lines, the payment will be in US dollars. Since overseas consumption by credit card will be settled in U.S. dollars, if the consumption amount is non-U.S. dollars, there will be an exchange fee between the two currencies, which is 1.5 of the transaction amount. If the consumption amount is in US dollars, there will be no foreign exchange settlement fee. When making purchases, you can ask the merchant whether there is a UnionPay credit card line to facilitate your choice.

If you still have questions, you can add "QQ" or "WeChat" to experience the "Micro Customer Service" platform functions, or you can consult with manual service over the phone.

Method 1: Search for "4008205555" among QQ business friends and add "China Merchants Bank Credit Card Center" as a friend; or search for the number "cmb4008205555" on WeChat and follow China Merchants Bank Credit Card Center.

Method 2: If you are troublesome, please call the credit card customer service hotline 8008205555 (fixed phone calls only) or 4008205555. Card holders please directly enter the ID number and query password and select "9" to enter manual service. Customers without a card holder Please select 3# to enter manual.