I applied for a China Merchants Bank dual-currency card and deposited RMB in the card. When spending US dollars abroad, is the RMB in the card directly deducted according to the exchange rate?

Hello! If you choose the VISA or MasterCard organization system when making purchases, the settlement currency is US dollars (that is, the US dollar cash or US dollar spot exchange in your account will be deducted; if your account only has RMB, you need to activate the "RMB entrusted foreign exchange purchase function" You can choose international organization transactions), which will be converted into US dollars for settlement according to the exchange rate stipulated by VISA or MasterCard on the day; if you choose the UnionPay system, the money will be directly deducted from your RMB current account and converted into RMB according to the exchange rate stipulated by UnionPay on the day. liquidation.

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