Hello, if you hold our international debit card, the overseas transaction rules (including overdraft) are as follows: ① All-in-one-card gold card and overseas transactions in golden sunflower card are settled in USD, and the settlement account is USD. When used overseas, there is no distinction between cash account and cash account, and the order of using amount is cash account first and then remittance account. (2) If the balance of USD account (bill account+remittance account) is insufficient on the request date, the system will automatically retrieve the balance of RMB current account. If it is enough to return the overdraft, it will be exchanged according to the selling price in US dollars published on the day when the bank requests it, and transferred to the cash account in US dollars to return the overdraft; (3) If the RMB current account is still insufficient for repayment or the account status is abnormal, the loan interest will be paid automatically for the insufficient part. International debit cards can only be swiped by POS at the exchange rate of currency exchange abroad, and there is no handling fee. However, if you use VISA or MasterCard in non-US dollars, you will incur a currency exchange fee of about 1.5%. Hold a UnionPay debit card, open UnionPay overseas ATM withdrawal function and UnionPay overseas POS consumption function. If there is RMB in the card, you can use cash withdrawal and credit card consumption in overseas UnionPay channels. When using UnionPay RMB cards in countries and regions that have opened UnionPay business overseas, the transaction currency is local currency and RMB is used as the clearing currency. There is no handling fee for overseas POS credit card consumption of UnionPay debit card. For details, please dial 95555 and select "2" manual service-"1"personal banking-"8" overseas financial management foreign exchange business, and enter the manual detailed consultation.

If you have any other questions, I suggest you consult online customer service /cmu/icslogin.aspx? from = B& amp； Logincmu=0. Thank you for your attention and support!