Hello, if you hold a China Merchants Bank credit card, you can choose the card swiping machine corresponding to the card swiping route according to the credit card organization logo on the credit card (such as: VISA, MASTERCARD, JCB, American Express, UnionPay) overseas. To swipe a card, there is no need to activate the card swiping function. When the card is swiped on UnionPay lines, the payment will be settled directly in RMB; when the card is swiped on international lines, the payment will be settled in US dollars. Since overseas purchases by credit card will be settled in U.S. dollars, if the consumption amount is non-U.S. dollars, conversion fees between the two currencies will be incurred. If the UnionPay line is used or the consumption amount is US dollars, no exchange settlement procedures will occur.

1. When using our credit card for consumption through international organization lines (i.e. non-UnionPay lines) in non-U.S. dollar countries, cardholders need to pay a 1.5 foreign exchange fee to convert the local currency into U.S. dollars. , the subsequent US dollars credited to the account already include this exchange fee (the American Express Centurion Black Gold Card and the American Express Centurion Platinum Card are settled at 2% of the settlement amount). 2. There is no foreign exchange fee for U.S. dollar consumption. 3. UnionPay single-currency credit cards are processed in accordance with the latest regulations of China UnionPay and the Bank.