If the credit card is a dual-label card with "UnionPay Non-Global Payment" on the card surface, overseas (including overseas websites) can select the corresponding credit card swiping machine according to the credit card organization logo on the credit card (such as VISA, MASTERCARD, JCB, American Express and UnionPay), and it is not necessary to open the credit card swiping function.
If you swipe your card online, it will be settled in US dollars, so if the consumption amount is not US dollars, there will be exchange fees between the two currencies. If you brush the UnionPay line or spend US dollars, there will be no settlement procedures. For example, a credit card is a single-label card with only VISA, MASTERCARD, JCB or American Express. According to relevant preferential policies, currency exchange fees are exempted.
Some banks' special cards (such as China Merchants Bank YOUNG Card Youth Edition, Weibo Daren Card, GQ Co-branded Credit Card, Colorful Yunnan Credit Card, and City Theme Series Gold Card, Industrial Bank Constellation Credit Card and Guangfa Smart Card, etc.). ) There is no handling fee for the first cash advance in each natural month, and this discount should be adapted to the overseas cash withdrawal (normal interest charge). ?
Some banks (China Merchants Bank, China Bank, Industrial Bank, etc.). ) The minimum charge for overseas (including Hong Kong, Macao and Taiwan) all-currency credit cards is 65,438 yuan +00 ~ 30 yuan/transaction or 3 dollars/transaction (the minimum charge for overseas express platinum cards and black gold cards is 5 dollars);
Interest (charged by all credit cards): interest-free repayment is not available for cash withdrawal. From the trading day, interest will be charged at the daily interest rate of 0.5 ‰, compounded monthly until the settlement date.