When you use a credit card to make purchases abroad, there is usually a handling fee involved. This fee is not deducted directly from your account, but is borne by the merchant and China UnionPay ***. According to statistics, the average handling fee for overseas credit card consumption is about 3. Rates may vary from bank to bank. For example, the handling fee of China Construction Bank, Bank of China, China Merchants Bank, Industrial Bank, China Guangfa Bank and many other banks is 1.5, such as China Everbright Bank charges 1.7, and the handling fee of Shenzhen Development Bank and Bank of Communications is slightly higher, 1.75. However, in order to attract customers, some banks will provide some preferential policies. For example, Hua Xia Bank's overseas cash withdrawals are free, and Minsheng Bank will use Minsheng credit cards for foreign currency transactions within a specific period (until December 31, 2013) and the currencies will match. , the handling fee is waived. Bank of China will reduce or exempt cross-border currency exchange fees for customers who make overseas purchases or withdraw cash, with a discount of 1.5% of the transaction amount. Therefore, the actual handling fee will vary according to your bank and transaction conditions. It is recommended to consult or check the bank's specific policies before consumption.