Overseas, you can choose the card swiping machine corresponding to the card swiping route according to the credit card organization logo (such as VISA, MASTERCARD, JCB, American Express, UnionPay) on the credit card, and there is no need to additionally open the card swiping function, and there will be no card swiping fee.

UnionPay credit card, RMB settlement, RMB repayment;

International credit card, dollar settlement, dollar repayment, or credit card purchase of foreign exchange repayment function.

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Taking the international route, the consumption is settled in US dollars (except for all-currency credit cards), so if the consumption amount is not US dollars, there will be an exchange fee between the two currencies (about 65438+ 0.5% of the transaction amount). No settlement fee will be charged if the UnionPay line is swiped or the consumption amount is USD. If you spend money by credit card overseas, it is recommended to choose UnionPay channel.

The basic functions of credit cards are the same, such as credit card consumption, online payment at home and abroad, cash advance, installment payment, credit card points, accumulated credit, and interest-free period of up to 50 days. For different credit cards, different offers and promotions will be launched from time to time. Due to different personal preferences, it is recommended to choose according to your own preferences. If you need more information about the credit cards currently launched by China Merchants Bank, please log on to the credit card website and click "Credit Card Application". ?