1. General cards can use two currencies. For example, cards with foreign currency functions are generally "Visa" or "Master" (foreign currency cards), and RMB cards are generally "UnionPay" (RMB cards).

2. For spending in Hong Kong, you can choose a foreign currency card or a UnionPay card.

If you use a foreign currency card, the bank will not convert the exchange rate. When you pay back, just pay back the foreign currency cash you used at that time directly to the bank. If you use UnionPay card, the bank will convert the local currency into RMB according to the foreign currency purchase price of the day, and you need to repay according to that amount of RMB when you repay.

4. For example:1) 65438+February 8, you bought a shirt with a foreign currency card of 100 Hong Kong dollars: 30 days later (or the day when you need to pay back the bank money), you need to pay 100 Hong Kong dollars in cash to the bank. 2) If you used UnionPay card at that time and bought this shirt with HK$ 100, the bank will convert it into RMB 8 1.99 yuan according to the exchange rate of the day (for example, HK$ 0.8 199), and you only need to pay RMB 865,438 to the bank 30 days later.

5. the difference between the two or their respective benefits: mainly depends on whether you have foreign currency cash. For example, if you have cash in Hong Kong dollars, you'd better use a foreign currency card and give it to the bank. There is no exchange loss. The main reason for using RMB is that you don't have foreign currency to repay the bank, so you have to repay it in RMB, and the bank will earn you some exchange difference income+merchant's credit card rebate.

Supplement: Because you use a foreign currency card in US dollars, if you spend money in Hong Kong, the bank will convert Hong Kong dollars into US dollars, and then you will repay the US dollars. Even if the repayment is made in US dollars, there will still be exchange losses (Hong Kong dollars will be converted into US dollars). So in this case, I suggest you use RMB card, that is, UnionPay card.

How to recharge your credit card in Hong Kong?

Hello, at present, China Merchants Bank credit card has two basic credit card lines: UnionPay line and international line (VISA, MASTERCARD, JCB or American Express, etc.). ). swipe your card on UnionPay online and settle directly in RMB; If you swipe your card on an international line, it will be settled in US dollars. Since the credit card consumption abroad will be settled in US dollars, if the consumption amount is not US dollars, there will be an exchange fee between the two currencies, that is, 65438+ 0.5% of the transaction amount, and the exchange fee will be charged by the bank on behalf of international organizations. If the consumption amount is USD, no settlement fee will be charged. If you use a full-currency credit card, you can spend in any foreign currency in the world, and there is no currency exchange fee. The function of purchasing foreign exchange will be automatically activated, and foreign currency consumption will be repaid with RMB. )

Hong Kong and international routes can take UnionPay, which will be more cost-effective.

"If you have any other questions, I suggest you add" QQ "or" WeChat "for online consultation.

Method 1: Search for "4008205555" among QQ corporate friends and add "China Merchants Bank Credit Card Center" as a friend;

Method 2: Search "cmb4008205555" on WeChat, and pay attention to China Merchants Bank Credit Card Center.

For details, please click. Thank you for your attention and support! "

Is there a handling fee for shopping in Hong Kong and swiping China Merchants Bank VISA credit card? And how to calculate the exchange rate?

Hello, our credit card can be used normally in Hong Kong. At present, there are two basic credit card lines in Hong Kong, UnionPay line and international line (VISA, MASTERCARD, JCB or American Express, etc. ). There is no extra charge for swiping the card on UnionPay line, and the Hong Kong dollar is converted into RMB according to the exchange rate of "China UnionPay" for settlement; If you swipe your card on an international line, it will be settled in US dollars. Since the consumption other than credit cards will be settled in US dollars, if the consumption amount is not US dollars, there will be an exchange fee between the two currencies, that is, 0.5% of the transaction amount of 65438+. If the consumption amount is USD, no settlement fee will be charged. When spending, you can ask the merchant if there is a UnionPay credit card limit, which is convenient for you to choose. If you have any other questions, please visit "Online Customer Service" (website: Logincmu=0), we will serve you wholeheartedly! Thank you for your concern and support for China Merchants Bank!

If he uses a mainland credit card in Hong Kong, he is talking about Hong Kong dollars or RMB.

When mainland credit cards are used in Hong Kong, they are swiped in Hong Kong dollars, but your credit card bank converts them into RMB according to the current exchange rate at the time of swiping.

How much is the handling fee for China bank credit card to withdraw money at Hongkong ATM?

20 18 China bank cash withdrawal fee standard: (1) self-service channel cash withdrawal: Great Wall Global Connect products: BOC local: free; Off-site of China Bank: RMB per transaction 10 yuan; Inter-bank local: 4 yuan/pen; Inter-bank and off-site: 65438 yuan +02 yuan each; Overseas BOC or member banks of international organizations: 3% of the transaction amount, with a minimum of $3.5 or 500 yen for each transaction; Overseas UnionPay: RMB per transaction 15 yuan; BOC series products: BOC and its peers: calculated as 1% of the transaction amount, the lowest RMB for BOC is 8 yuan/transaction, and the lowest RMB for peers is 12/ transaction; Overseas BOC or member banks of international organizations: 3% of the transaction amount, with a minimum of $3.5 or 500 yen for each transaction; Overseas UnionPay: 1% of the transaction amount, with a minimum of 15 yuan RMB per transaction; Overdraft interest is calculated and collected according to the actual overdraft withdrawal amount and the actual number of days in arrears from the transaction bookkeeping date. The overdraft interest rate is 0.5 ‰ of the daily interest rate, with monthly compound interest. Inquiries can be made through the official website of Bank of China ()-Bank Card-Service Guide-Card Handling Guide-Credit Card Service Price List of Bank of China.

The above contents are for your reference. Please refer to the actual business regulations.

If you have any questions, please contact online customer service of Bank of China.

You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GOAPP to handle related business.

This is the end of the introduction about how to calculate the money by swiping a credit card in Hong Kong and whether to swipe Hong Kong dollars or RMB. I wonder if you have found the information you need?