China Merchants Bank Credit Card can choose the card swiping machine corresponding to the card swiping route overseas according to the credit card organization logo (such as VISA, MASTERCARD, JCB, American Express, UnionPay), and there is no need to additionally open the card swiping function, and there will be no card swiping fee. UnionPay credit card, RMB settlement, RMB repayment; International credit card, dollar settlement, dollar repayment, or credit card purchase of foreign exchange repayment function. 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.