hello, the credit card can be used in consumption abroad. Overseas, you can select the card swiping machine corresponding to the swiping route according to the credit card organization logo on the credit card (such as VISA, MASTERCARD, JCB, American Express and UnionPay), and you don't need to open the swiping function. Credit card swiping on UnionPay line will be settled directly in RMB; If you swipe your card on an international line, it will be settled in US dollars. Since the consumption outside the credit card will be settled in US dollars, if the consumption amount is not US dollars, there will be exchange fees between the two currencies. If the UnionPay line is swiped or the consumption amount is USD, there will be no settlement procedures.

1. For the consumption generated by using our credit card in countries in non-US dollar regions through international organization lines (that is, non-UnionPay lines), the cardholder has to pay 1.5% foreign exchange fee to convert local currency into US dollars, and the subsequent US dollars have already included this exchange fee (American Express Centurion Black Gold Card and American Express Centurion Platinum Card are paid at 2% of the settlement amount). 2. There is no foreign exchange handling fee for US dollar consumption. 3. UnionPay single-currency credit cards shall be handled in accordance with the latest regulations of China UnionPay and the Bank.

if you have any questions about other CMB credit cards, please search for "4825555" among QQ corporate friends and add "China Merchants Bank Credit Card Center" as your friend; Or search for the number "cmb4825555" on WeChat and pay attention to "China Merchants Bank Credit Card Center" for consultation. Thank you for your attention and support to China Merchants Bank!