Visa does not need to exchange pounds for consumption in the UK. You only need to swipe the card to spend pounds, but there is a handling fee.

If it is a China Merchants Bank credit card, no handling fee will be charged for card payments. Spending pounds will be converted into US dollars according to VISA's exchange rate on the day, and there may be exchange rate losses. Visa provides its financial institution customers with a rich credit card product platform that can meet various payment needs from new credit card customers to high-end consumers, as well as large institutions.