Hello, when you are abroad, you can choose the card swiping machine corresponding to the credit card swiping route according to the credit card organization logo on the credit card (such as: VISA, MASTERCARD, JCB, American Express, UnionPay). There is no need to activate the additional card swiping function. . When the card is swiped on UnionPay lines, the payment will be settled directly in RMB; when the card is swiped on international lines, the payment will be settled in US dollars. Since overseas purchases by credit card will be settled in U.S. dollars, if the consumption amount is non-U.S. dollars, conversion fees between the two currencies will be incurred. If the UnionPay line is used or the consumption amount is US dollars, no exchange settlement procedures will occur.

1. For purchases made through international organization lines (i.e. non-UnionPay lines) using our credit cards in non-U.S. dollar countries, cardholders need to pay a foreign exchange fee of 1.5 to convert the local currency into U.S. dollars. , the subsequent US dollars credited to the account already include this exchange fee (the American Express Centurion Black Gold Card and the American Express Centurion Platinum Card are settled at 2% of the settlement amount). 2. There is no foreign exchange fee for U.S. dollar consumption. 3. UnionPay single-currency credit cards are processed in accordance with China UnionPay (consultation hotline 95516) and the latest regulations of the Bank.

If you refer to bill installment, bill installment (only cardholders holding commercial cards, official cards (including financial official cards), purchasing cards, ANA guaranteed cards or supplementary cards cannot apply) is my The new financial management function launched by the Bank's credit card can help you repay the consumption amount in your bill in monthly installments. You can send a text message, log in to credit card online banking, or call the customer service hotline to transfer to a service specialist to apply. Handling fee per period = total installment amount × handling fee rate per period. The minimum handling fee per period is 5 yuan, 0.9 per period for 3 periods, 0.75 per period for 6 periods, 0.70 per period for 10 periods, and 0.66 per period for 12 periods. , 0.68 in the 18th period, and 0.68 in the 24th period. Whether the application for bill installment is approved shall be subject to the comprehensive assessment result of our bank's credit card center. For bill installment application conditions, please log in to the credit card website/, click "Credit Finance" - "Bill Installment" to check the bill installment terms and conditions.

After the bill installment application is successful, the current bill only needs to repay the amount other than the bill installment, and the principal amount payable in the first installment (principal payable in each installment = total installment principal ÷ number of installments) And the handling fee will be reflected in the next month's bill.