if you have a CMB credit card with a VISA, MASTERCARD, JCB or American Express logo on the card face, you can use it overseas (including Hong Kong, Macao and Taiwan). If you trade through UnionPay line in consumption abroad, it will be settled directly in RMB; If you trade through international organizations, it will be settled in US dollars.

There is no separate handling fee for credit card spending. If the overseas transaction currency is a foreign currency other than US dollars, there will be an exchange fee between the foreign currency and US dollars, which is 1.5% of the transaction amount (2% for American Express); If the currency of overseas transactions is USD, there will be no exchange fee. When you consume, you can ask about the transaction lines supported by the merchants to facilitate your choice. ?

if you want to use RMB for repayment, you can contact the credit card center to activate the automatic foreign exchange purchase function. If you have any other questions, I suggest you consult customer service.