China Merchants Bank's credit card can of course be used overseas. Not only can you swipe your card directly abroad, but you can also accumulate credit card points. You can still exchange a lot of things by accumulating some points. China Merchants Bank's integral rule is that 1 points can be accumulated for every consumption of 20 yuan or a single consumption of 2 dollars, so both domestic and overseas consumption can accumulate points. In order to avoid the complicated procedures of foreign currency exchange, you are encouraged to take your credit card directly when you go abroad, and only charge a small amount of foreign currency exchange fee. I hope I can help you!