Hello, Dora A Dream Card is a dual-currency credit card. If you hold a credit card from our bank with a VISA, MASTERCARD, JCB or American Express logo on the card, it can be used overseas (including Hong Kong, Macao and Taiwan). use. Credit card purchases overseas through international lines will be settled in U.S. dollars. If the consumption amount is non-U.S. dollars, there will be an exchange fee between the two currencies, which is 1.5% of the transaction amount (2% for American Express). If the consumption amount is in US dollars, there will be no foreign exchange settlement fee. If you need to repay your overseas consumption in RMB, you can enable the function of purchasing foreign exchange for repayment. After the application is successful, if you also set up the automatic deduction function, the system will automatically deduct the corresponding amount from the associated card for repayment on the final repayment date based on the US dollar cash selling price announced by China Merchants Bank. You can also use RMB for repayment after the bill is issued in U.S. dollars. We will settle the bill based on the selling price of U.S. dollar cash announced by China Merchants Bank on the day of your repayment.

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