Hello, based on your questions, the replies are as follows:

1. Since overseas consumption by credit card will be settled in U.S. dollars, if the consumption amount is non-U.S. dollars, two issues will arise. The exchange fee between two currencies is 1.5% of the transaction amount, and the exchange fee is collected by our bank on behalf of international organizations. If the consumption amount is in US dollars, there will be no foreign exchange settlement fee.

2. VISA line transactions, automatic purchase of foreign exchange and RMB repayment, without any additional fees. The details depend on the exchange rate. You can inquire further through the customer service of our credit card center.

3. For example: If you consume euros, you need to perform two conversions, convert euros to U.S. dollars, and then convert U.S. dollars to RMB. The conversion from euros to U.S. dollars is the day before the day of entry. According to the exchange rate provided by VISA International Organization, you can use the international Organize an inquiry, or inquire through the bank after settlement. The bank can confirm through historical transaction records that the transfer of US dollars to RMB is based on the selling price at around 10 o'clock on the day of entry. This selling price can only be queried through the credit card center, not China Merchants Bank. Check the foreign exchange price.

4. This card mainly uses the VISA route. It is relatively convenient to use in Hong Kong and Macao. In China, it is generally UnionPay and cannot be used. If you use the VISA route, you will be billed in US dollars.

5. Since we are not very clear about the transaction rules of the Euro card you mentioned, we can only tell you about the consumption of Euros in all currencies. First, the Euro has an exchange rate against the US dollar, and then the RMB is automatically purchased and returned. For details, please refer to the third point to give you an example. If you pay directly with UnionPay and settle in RMB, there is an exchange rate involved and there is no handling fee.