CCB credit cards with VISA can be used directly abroad, as long as the POS machine where the card is swiped has VISA.

Conversion after consumption: Taking the international route, consumption is settled in U.S. dollars (except credit cards in all currencies). Therefore, if the consumption amount is non-U.S. dollars, there will be a conversion fee between the two currencies (approximately the transaction amount 1.5%).

If the UnionPay line is used or the consumption amount is US dollars, there will be no foreign exchange settlement fee. When swiping cards overseas, it is recommended that you choose UnionPay channels. UnionPay line card swiping, RMB settlement, RMB repayment.

Extended information:

When using a credit card overseas, there are generally the following charges:

1. International transaction fee, the rate is 1% to 1.5%. It is charged by the international card organization from the card issuing bank. For example, when the GF VISA card is used for overseas transactions, VISA will charge this fee to GF, but it will ultimately be borne by the cardholder;

2. Currency conversion fee, is Most banks charge a handling fee of 1.5% for overseas credit card payments. However, many banks’ platinum cards can waive this fee. For example, the Bank of China Great Wall International Zhuojun Card (VISA Platinum Card) is free of currency exchange fees;

3. There is a situation where you can avoid charging fees. When you see the UnionPay logo, you can use it. If you have a UnionPay card or a VISA, MasterCard and UnionPay dual-label card, please use the UnionPay settlement channel, that is, tell the clerk to select UnionPay on the POS machine, and the local currency will be directly converted into RMB, so no handling fee will be charged.

Reference: China Construction Bank-Credit Card Channel