1. In the bill of overseas credit card spending by cardholders, the credit card handling fee is generally between 3% and 4%. Among them, international card organizations such as visa or MasterCard charge the card issuer an international transaction fee of 1% to 1.5% for each transaction. Although it is collected from the bank, this fee is actually borne by the cardholder. In addition, banks charge handling fees or exchange fees ranging from 1% to 2%.

2. Most banks charge overseas credit cards 1.5%. For example, CCB, BOC, China Merchants Bank, Xingye and Guangfa are all 1.5%, Everbright 1.7%, Shenzhen Development Bank and Bank of Communications are all 1.75%, and Pudong Development implements the standard of 2%.

3. If it is a UnionPay single-currency credit card, or a dual-currency credit card with UnionPay and VISA (or MasterCard) double logos, there is no handling fee for swiping the card overseas and taking the UnionPay line.

As a reminder, there are many risks and skills in using credit cards abroad:

1. Call the issuing bank to check your credit limit before going abroad. Many banks can temporarily increase their credit lines before leaving the country.

2. consumption abroad is consumed by signature, so users must pay attention to the safety of using the card, don't let the card leave their sight when paying, and carefully check the amount and currency on the purchase order.

3. Overseas, UnionPay cards can only be accepted in places with UnionPay logo. There is no limit on the amount of money spent by overseas cardholders with UnionPay cards, but the daily withdrawal from ATMs cannot exceed the local currency equivalent of RMB 5,000.

4. Credit cards can generally use RMB to purchase foreign exchange for repayment after spending foreign currency.

5. If you find that your credit card is lost or spending abnormally abroad, you should immediately report the loss to the bank or inquire.