Hello, overseas, you can choose the card swiping machine corresponding to the swiping route according to the credit card organization logo (such as VISA, MASTERCARD, JCB, American Express, UnionPay) on the credit card, and you don't need to open the swiping function. UnionPay line credit card is directly settled in RMB; If you swipe your card on an international line, it will be settled in US dollars. Since the consumption outside the credit card will be settled in US dollars, if the consumption amount is not US dollars, there will be exchange fees between the two currencies. If you brush the UnionPay line or spend US dollars, there will be no settlement procedures.

1. For the consumption generated by using our credit card in non-US dollar countries through international organization lines (i.e. non-UnionPay lines), the cardholder has to pay 1.5% foreign exchange fee to convert the local currency into US dollars, and the subsequent US dollars have included this exchange fee (American Express Centurion Black Gold Card and American Express Centurion Platinum Card are paid at 2% of the settlement amount). 2. There is no foreign exchange handling fee for USD consumption. 3. UnionPay single currency credit card shall be handled according to the latest regulations of China UnionPay and our bank.

If you have any questions about other CMB credit cards, please search for "4008205555" in QQ corporate friends and add "CMB Credit".

Card center "as a friend; Or WeChat search for "cmb4008205555" and pay attention to "China Merchants Bank Credit Card Center".

Thank you for your concern and support for China Merchants Bank!