At present, China Merchants Bank has two basic credit card lines: UnionPay line and international line (VISA, MASTERCARD, JCB or American Express, etc.). ). swiping a card on the UnionPay line will be directly used by ordinary people.

Currency settlement; If you swipe your card on an international line, it will be settled in US dollars. Because credit card consumption abroad will be settled in US dollars, if the consumption amount is not US dollars, there will be an exchange fee between the two currencies, that is, the transaction amount.

1.5%, and the exchange fee is charged by our bank on behalf of international organizations. If the consumption amount is USD, no settlement fee will be charged. If you use a full-currency credit card, you can spend any foreign currency in the world, and the currency exchange procedures are zero.

Fee, automatically open the function of purchasing foreign exchange, foreign currency consumption RMB purchase repayment. )

Under normal circumstances, UnionPay is more cost-effective.