The beginning of 4 belongs to VISA credit card. Please check whether there is a UnionPay logo on your card. If online consumption can be requested through UnionPay, there will be no currency conversion fee. If there is no unionpay logo, you can only spend it through VISA. It is possible that China Everbright Bank will charge a currency conversion fee. Also, if you use VISA network to swipe your card, please pay attention to the consumption currency when signing the bill. Since the issuing bank of your credit card belongs to a bank in Chinese mainland, the official currency is RMB, and the consumption in Hong Kong belongs to foreign currency consumption, some POS will convert the amount of Hong Kong dollars spent into US dollars according to the exchange rate officially announced by VISA, so you can ask to keep accounts in Hong Kong dollars, which can avoid DCC.