if it is a CMB credit card, the bank will not charge extra fees; There are only two basic credit card lines, UnionPay line and international line (VISA, MASTERCARD, JCB or American Express, etc.). If you swipe your card on the UnionPay line, it will be settled directly in RMB; If you swipe your card on an international line, it will be settled in US dollars. Since the overseas consumption of credit cards will be settled in US dollars, if the consumption amount is not US dollars, there will be an exchange fee between the two currencies, which is 1.5% of the transaction amount, and the exchange fee will be charged by the Bank on behalf of international organizations. If the consumption amount is USD, there will be no settlement fee. (If you use a full-currency credit card, you can spend any foreign currency in the world, and there is no currency exchange fee. The function of purchasing foreign exchange will be automatically activated, and foreign currency consumption will be repaid by purchasing foreign exchange in RMB. )