Hello, it depends on whether the merchant supports visa settlement. It may only support UnionPay settlement.

Consumption in RMB with the full-currency card will be converted into U.S. dollars according to VISA’s exchange rate on the day, and then converted into RMB for billing. The annual fee for the full-currency card is permanently waived. It doesn’t matter if you open the card but don’t use it.

If you still have questions, please add corporate QQ customer service 4008205555 or add the public account "China Merchants Bank Credit Card Center" on WeChat for detailed consultation.