A: No, it depends on the acceptance scope of the pos machine of the merchant you consume. If the merchant's pos accepts cards with UnionPay logo, UnionPay cards can be used.

It is said that New Zealand can brush UnionPay. But I wonder if there will be a handling fee for swiping UnionPay and credit cards. If so, which one will be lower?

Answer: If it is a merchant who accepts UnionPay, use UnionPay card to keep accounts in RMB (that is, there is only UnionPay logo on the card, and the card number starts with 6); If the card has UnionPay logo and other logos (such as visa) at the same time, it depends on the acceptance priority of pos machines. Generally speaking, the non-UnionPay logo is the priority for settlement, and then the local currency is used as the credit card amount, and then converted into the corresponding accounting currency (for example, RMB-US dollar cards with UnionPay and visa logos will be charged in US dollars).

If the bookkeeping currency is different from the consumption currency, a currency conversion fee will be charged, which is different among international organizations. Of course, if you use RMB to purchase foreign exchange for repayment, the repayment amount may be less than the amount settled in RMB at that time in the case of RMB appreciation.

If it is a single-currency UnionPay card, that is, if it is collected in RMB, there is no handling fee.

Then, if ATM withdraws money, what are the handling fees for UnionPay and credit card respectively?

A: It depends on what kind of bank card you use. Please ask the issuing bank.

Finally, how to return the credit card abroad?

A: No matter where you swipe your card, you charge it from the bank where you do it. You can pay it back by online transfer or setting up automatic repayment. If you return to China, you can also pay it directly at the bank, or use third-party repayment equipment such as Lacarra. It doesn't matter if the bookkeeping currency is not RMB. General bank credit cards will provide the function of purchasing foreign exchange for repayment.

Finally, it is suggested that consumption abroad prepare a UnionPay single-currency card and a dual-currency card in any currency (of course, RMB-USD cards are recommended in the USD area, so please adjust measures to local conditions). It's better that these two cards don't belong to the same bank in case the bank suddenly can't use them.