1. The organization method of "UnionPay" credit card does not generate handling fees in consumption abroad, and it is recorded according to the exchange rate of UnionPay on the transaction recording date.

2. "Visa" and "Master" routes consumption abroad:

(1) Card types are ordinary cards and gold cards, and there is no handling fee for spending US dollars, which will be recorded according to the actual US dollar transaction amount.

(2) Cardholders are ordinary cards and gold cards. If they consume foreign currencies other than US dollars, they will be converted into US dollars according to the exchange rate of international credit card organizations, and a conversion fee of 1.50% will be charged in the process.

(3) The card types are standard platinum card and global payment card. No matter what foreign currency is used, it will be converted into RMB at the exchange rate on the day of entry, and no exchange fee will be incurred.