Hello, overseas, you can choose the card swiping machine corresponding to the swiping route according to the credit card organization logo (such as VISA, MASTERCARD, JCB, American Express, UnionPay) on the credit card, and you don't need to open the swiping function. UnionPay line credit card is directly settled in RMB; If you swipe your card on an international line, it will be settled in US dollars. Since the consumption outside the credit card will be settled in US dollars, 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 the consumption generated by using our credit card in non-US dollar countries through international organization lines (i.e. non-UnionPay lines), the cardholder is required to pay 1.5% foreign exchange fee to convert local currency into US dollars, and the subsequent US dollars have included this exchange fee (2% of the settlement amount is paid for Amex Centurion Black Gold Card and Amex Centurion Platinum Card). 2. There is no foreign exchange handling fee for USD consumption. 3. UnionPay single currency credit card shall be handled according to the latest regulations of China UnionPay and our bank.

If you are spending abroad, I suggest you apply for a full currency credit card.

You are a credit card holder of China Merchants Bank. You can directly select your favorite credit card on China Merchants Bank's credit card website /CCPRODUCT/newcustomer.aspx to apply online, fill in the information and wait for the credit card department to review it. If it is approved, a new card will be issued to you.