Hello, if you are our card, overseas credit cards are free. Moreover, there is no currency exchange fee for taking UnionPay. If it is convenient for capital turnover, credit card is recommended. Because credit cards are overdrawn first and then repaid, it is convenient for the arrangement of funds.
If in doubt, please add enterprise QQ customer service 4008205555 or WeChat to WeChat official account "China Merchants Bank Credit Card Center" for detailed consultation.