Hello, theoretically no handling fee will be deducted for overseas purchases with this China Construction Bank Mango Travel Card. However, it depends on the charging method of the place where you swipe the card. If the currency used for swiping the card is not the currency included in the credit card, currency conversion is required, and the conversion process will incur an exchange fee. If the foreign currency contained in the card itself is US dollars, this fee will not be incurred when swiping US dollars. Repayment does not involve this fee. You can use RMB to purchase foreign exchange for repayment, or you can use U.S. dollars to repay directly. The China Construction Bank Mango Travel Card uses UnionPay and VISA dual channels, so you are exempted from handling fees when you buy things settled in U.S. dollars in Hong Kong. If the store settles in RMB, you will also be exempted from handling fees, but the store uses When settling in Hong Kong dollars, you will need to charge a handling fee. The details depend on the merchant. If you want to know which cards can be used and which cards are free of charge, you must first determine two points:

1. Look at what your card is marked. Generally speaking, it is only marked with UnionPay. logo, then you can only spend money in shopping malls with UnionPay counters. If you don’t want to be restricted, then you should apply for a dual-label card, such as a card that major banks cooperate with VISA or MasterCard. In this way, you do not need to pay extra fees when using VISA channels in overseas U.S. dollar areas. In non-U.S. dollar areas, Using VISA channels requires a 2% cross-border transaction fee.

2. What is the settlement method in the shopping area? For example, the United States settles in U.S. dollars, Japan settles in Japanese yen, and the United Kingdom settles in British pounds.