2. It's easier to use the bank card of the consumer in foreign countries. As long as you have a dual-currency card, UnionPay cards can be used directly in many places outside China.

3. ICBC's credit card is used for overseas cash withdrawal, and the foreign currency account is charged at 2.9% of the cash withdrawal amount, with a minimum charge of HK$ 3 yuan, US$ 3 yuan or Euro 3 yuan. This card is used for deposit and transfer to my credit card in different places.

4. ICBC's 10 currency credit card has consumer services abroad. At present, ICBC has launched MasterCard multi-currency credit cards, which can meet the needs of cardholders to pay 10 currencies, including the most commonly used US dollars, euros, Hong Kong dollars, British pounds, Japanese yen, Singapore dollars, Canadian dollars, Australian dollars, Swiss francs and New Zealand dollars.

If you spend in areas where the above currencies do not support UnionPay channels, you can save up to 1. 1% of the transaction amount in foreign exchange conversion fees.

5. ICBC and VISA credit cards with UnionPay logo can be used overseas.

UnionPay credit cards can be used in Chinese mainland, China, Hongkong, China and Macau, China without any handling fee. UnionPay credit cards can be used abroad, but the coverage in Europe and America is not high.

VISA and MASTERCARD credit cards generally charge a foreign exchange handling fee of 1.5% for overseas overdraft consumption. Even after swiping a card in a non-US dollar country, it is generally settled in US dollars. Repayment can be made directly in US dollars after returning to China. If repayment is made in RMB, you need to open the self-service foreign exchange purchase function (free of charge). After opening the self-service foreign exchange purchase function, users can repay directly in RMB according to the exchange rate announced by the bank on the day of repayment.

In addition, if there are both USD and RMB overdrafts on the credit card, the system will pay off the USD arrears first, and then repay the RMB overdraft. During the interest-free period, users do not have to pay any handling fees and interest. For example, outside the interest-free period, banks will charge daily interest at the rate of five ten thousandths of the total overdraft.