If it is a UnionPay single-currency credit card, or a dual-currency credit card with UnionPay and VISA (or MasterCard) double logos, there is no handling fee for swiping the card overseas and taking the UnionPay line.

If you swipe a dual-currency credit card and take the route of an international organization, when swiping Hong Kong dollars, the international organization needs to convert Hong Kong dollars into the currency contained in the card itself (such as US dollars and euros), then a conversion fee of 1.5% will be added, and the posted amount already includes the conversion fee. Therefore, when there are UnionPay and international organizations to choose, try to choose UnionPay.

If you use CCB's global payment credit card, any currency swiped overseas will be recorded in RMB, and there will be no exchange fee in the middle.

Overseas cash withdrawal charges: 1) UnionPay network cash withdrawal charges: "12 yuan+0.5% of the cash withdrawal amount (minimum 2 yuan RMB, maximum 50 yuan RMB)", minimum 14 yuan, maximum 62 yuan. 2) The handling fee for using the Internet to withdraw cash is 3% of the withdrawal amount, with a minimum of $3 (if it is a euro card, the minimum is $3).