Hello, there are currently two basic credit card lines used in Hong Kong, UnionPay lines and international lines (VISA, MASTERCARD, JCB, American Express). When the card is swiped on UnionPay lines, the payment will be settled directly in RMB; when the card is swiped on international lines, the payment will be settled in US dollars. Since overseas consumption by credit card will be settled in U.S. dollars, if the consumption amount is non-U.S. dollars, there will be an exchange fee between the two currencies, which is 1.5% of the transaction amount. If the consumption amount is in US dollars, there will be no foreign exchange settlement fee. Since Baidu channels do not have the right to query your account information, you can call credit card customer service 4008205555 or 8008205555 to verify the details. Thank you for your attention and support!