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When is the exchange rate charged for purchasing goods in Europe with CCB credit card?
See what card to use and what settlement channel to take.

First, if it is a European travel card of CCB and has a euro account, it will be credited directly in euros. You need to purchase foreign exchange when you repay, and convert it into RMB according to the euro selling price of CCB.

Second, if you take the UnionPay channel, it will be automatically converted into RMB according to the dynamic exchange rate at that time.

Third, if it is a dual-currency dollar credit card, it will be recorded in US dollars, and the repayment will also be purchased at the selling price.

Fourth, if it is a full-currency credit card, it will be automatically converted into RMB, and CCB will now waive the conversion fee of 1.5%. Some of them can also be converted at CCB's own exchange rate, which is more cost-effective.