Conclusion: Using a CCB credit card with the VISA logo, you can directly spend money overseas, but you need to make sure that the receiving POS machine supports VISA. When making consumption, if it is a non-USD transaction, a currency conversion fee of approximately 1.5 will be incurred. In order to save costs, it is recommended to choose the UnionPay line, which makes settlement in RMB and repayment more convenient.

Details are as follows: The VISA line of CCB credit card is suitable for international consumption, but the transaction will be settled in U.S. dollars, and non-U.S. dollar consumption will involve a currency conversion fee of 1.5. In contrast, if you use UnionPay lines or the consumption amount is US dollars, there will be no exchange settlement fees. When abroad, try to choose POS machines with the UnionPay logo for consumption, so that you can settle directly in RMB and avoid additional handling fees. UnionPay cards, VISA, MasterCard and UnionPay dual-label cards all support this function. Just tell the clerk to choose the UnionPay channel.

It should be noted that there is usually an international transaction fee of 1 to 1.5 in international transactions, which is charged by the international card organization, but will eventually be passed on to the cardholder. Some banks' high-end credit cards (such as the Bank of China Great Wall International Zhuojun Card) may waive currency conversion fees. Please choose the appropriate payment method based on your specific needs and card type.

The above information comes from the credit card service instructions of China Construction Bank.