1. In Hong Kong, Singapore, Japan, Malaysia and other countries in the Asia-Pacific region, it is more likely to use CITIC VISA card for exchange rate concessions;

2. In South Africa, it is more favorable to use CITIC VISA card;

3. In Europe, Britain and other EU countries, it is more likely to use CITIC MC card for exchange rate concessions;

4. In Australia of Oceania, it is more likely to use CITIC MC card for exchange rate concessions;

5. In Canada in North America, it is more likely to use CITIC MC card for exchange rate concessions.