Hello, if the credit card is in consumption abroad, you can choose the credit card swiping machine corresponding to the credit card swiping route according to the overseas credit card organization identification (such as VISA, MASTERCARD, JCB, American Express, UnionPay), and there is no need to open the credit card swiping function. UnionPay line credit card is directly settled in RMB; If you swipe your card on an international line, it will be settled in US dollars. Since the consumption outside the credit card will be settled in US dollars, if the consumption amount is not US dollars, there will be exchange fees between the two currencies. If you brush the UnionPay line or spend US dollars, there will be no settlement procedures.

1. For the consumption generated by using our credit card in non-US dollar countries through international organization lines (i.e. non-UnionPay lines), the cardholder has to pay 1.5% foreign exchange fee to convert the local currency into US dollars, and the subsequent US dollars have included this exchange fee (American Express Centurion Black Gold Card and American Express Centurion Platinum Card are paid at 2% of the settlement amount). 2. There is no foreign exchange handling fee for USD consumption. 3. UnionPay single currency credit card shall be handled according to the latest regulations of China UnionPay and our bank.