Answer to the supplementary question: No matter the overpayment part or the credit card's own limit part, there will be no handling fee for swiping the card on the POS machine, and the handling fee will be charged to the merchant. = = = = = Original answer = = = = = Yes. However, how to charge an overseas card mainly depends on the POS card swiping machine used when swiping the card: if there is overseas POS card swiping consumption represented by "China UnionPay", then UnionPay will convert the local currency into RMB for bookkeeping according to the exchange rate; If you swipe your card on a POS machine with an overseas VISA logo and swipe your card through the VISA channel, it will be charged in US dollars. Repayment is relatively complicated: some banks' credit cards (such as China Merchants Bank). After returning home, you only need to open the RMB automatic foreign exchange purchase function of the credit card, and the system can use the deposited RMB (overpaid part) to return the US dollar by default; And some banks' credit cards (such as China Construction Bank) can only use the RMB deposited on the same day to apply for automatic purchase of foreign exchange to repay the dollar consumption on the bill. Suggestion: 1) Try to spend by credit card within the limit. The reason is that, as mentioned above, if you deposit the overpaid money, but some banks require repayment on the day of the transaction, you can only repay the collected money in US dollars. Then your overpayment is a bit wasteful.