2. The exchange rate of credit card consumption is provided by the card organization, subject to the exchange rate of the card organization on the day of consumption: China UnionPay channel: the credit card is settled in RMB in consumption abroad, subject to the exchange rate listed by China UnionPay on the trading day. Take the channels of international card organizations (VISA, MasteCad, JCB): domestic settlement of credit cards and settlement of consumption abroad in US dollars, subject to the exchange rate of international card organizations on the trading day.
3. Take the channel of international card organization. There is no currency conversion fee for overseas dollar transactions. For overseas non-USD transactions (euros, pounds sterling), the currency conversion fee is charged at 0.5% of the transaction amount of 65438+ (that is, the cross-border handling fee is charged at 0.5% of the transaction amount of 65438+).
Credit card is a non-cash transaction payment method and a micro-credit payment tool provided by banks to users. The earliest credit card appeared at the end of 19.
Credit cards are divided into credit cards and quasi-credit cards, which provide settlement services, facilitate shopping and consumption, and enhance security; Simplify the collection procedure and save social labor; Promote commodity sales and stimulate social demand.
Credit card is a special card issued by banks or other financial institutions to people with good credit, which is used for shopping and spending at designated merchants or depositing and withdrawing cash at designated banking institutions. It is a special kind of credit certificate.