It depends on the situation. The standard credit card visa Gold Card, namely UnionPay +VISA RMB-USD dual-currency gold card, is traded overseas through the UnionPay channel and directly converted into RMB at the UnionPay exchange rate for settlement, with no handling fee; Take the overseas visa channel. If the transaction currency is USD, it will be settled directly into the USD account. After returning home, you can return the US dollars in cash, or convert them into RMB according to the exchange rate purchased by CCB, and there is also no handling fee. If visa channels are used overseas, in non-US dollar areas, that is to say, the local currency of transactions is not US dollars, such as pounds, euros, rubles, Japanese yen, Korean won and Thai baht. , there will be a 1.5% exchange fee, that is, the foreign currency of the transaction will be converted into US dollars at the exchange rate provided by the VISA organization first, and then a 1.5% exchange fee will be charged during the exchange process, which is also included in the subsequent US dollar bill. Therefore, when using cards abroad, the UnionPay channel should be preferred.

Of course, CCB also has a global payment card, or EMV credit card, which has the function of automatically purchasing foreign exchange. No matter what currency is traded, it is automatically converted into RMB according to the exchange rate of CCB, and there is no handling fee. If the landlord often goes abroad, he might as well consider getting one and applying directly to official website.