Overseas online payment: the overseas online payment fee of credit card is determined according to the card type and the currency route of overseas website payment. ① UnionPay single currency card: If the overseas payment website supports UnionPay, there is no exchange fee for this route. ② Dual-currency credit card: There is no exchange fee for payment in US dollars, and the exchange fee between the two currencies will be incurred if the payment currency is not US dollars (about 65,438+0.5% of the transaction amount). ③ Full-currency credit card: Payment will not generate exchange fee. Overseas credit card spending: Overseas credit card users can choose the credit card machine corresponding to the credit card route according to the credit card organization logo (such as VISA, MASTERCARD, JCB, American Express, UnionPay), and there is no need to additionally open the credit card function, and there will be no credit card fee. ① UnionPay credit card, RMB settlement and RMB repayment; (2) Credit card for international lines, settlement in US dollars, repayment in US dollars, or the function of purchasing foreign exchange by credit card for repayment. Warm reminder: Take the international route, and the consumption will be settled in US dollars (except all-currency credit cards). Therefore, if the consumption amount is not US dollars, there will be an exchange fee between the two currencies (about 65438+ 0.5% of the transaction amount). No settlement fee will be charged if the UnionPay line is swiped or the consumption amount is USD. If you spend money by credit card overseas, it is recommended to choose UnionPay channel.