UnionPay cards can be used on any machine with UnionPay logo at home and abroad. VISA cards can be used on machines marked with VISA at home and abroad. There are MasterCard, JCB, American Express and so on. Visa and MasterCard are international credit card organizations, which do not issue cards themselves, but are issued by the banks of the member institutions of the agreement. Major domestic banks have basically joined these two organizations. Some bank cards have more than two organization marks. Whether it can be used depends on the sign on the card.

At present, more than 1 10 countries and regions have accepted unionpay cards. When a cardholder swipes a card with UnionPay card overseas, the transaction currency will be converted into RMB according to the exchange rate announced by UnionPay and credited to the RMB account of the cardholder's credit card, and no additional handling fee will be incurred. Consumers can repay their money directly in RMB after returning to China. In addition, when cardholders use UnionPay cards to withdraw money from UnionPay network at overseas ATMs, they not only don't need to charge 1%-2% currency conversion fee, but also the withdrawal fee paid to the issuing bank is much lower than that of other networks.

At present, most credit cards in China are dual-currency credit cards, which support both RMB and USD. If you go to a country that spends dollars, you can apply for a dual-currency credit card from any bank, because you are abroad and spend dollars. You can use RMB to purchase foreign exchange for repayment when you return home. The exchange rate is determined according to the median price announced by the People's Bank of China, and there is basically no difference. However, I suggest you use the Dragon Card of China Construction Bank or China Merchants Bank, because the handling fees of these two banks are lower than those of purchasing foreign exchange.

If you are in a country with other currencies, it is suggested that you can apply for credit cards from BOC and ICBC, because both banks have multi-currency functions and support currencies such as USD, GBP, HKD and EUR, which is more convenient. China Merchants Bank has a high pass rate of international credit cards, that is to say, China Merchants Bank is conditionally compensated for credit cards stolen within 48 hours before losing the card.