Overseas through the UnionPay payment to RMB settlement, if the international organization line is the United States dollar (European travel card for the euro) settlement, due to repayment date can be used in foreign currencies, can also be used to buy foreign exchange repayment in RMB.

For example, China Merchants Bank's credit card, if it is a UnionPay standard card, there is neither a handling fee nor a currency conversion fee for consumption in Brazil. If it is a UnionPay-VISA dual currency card, it will not go through the UnionPay channel in Brazil, and VISA will charge a currency conversion fee.

Note:

If you are using a dual-currency card to make purchases abroad, it is more cost-effective to prioritize the use of the UnionPay channel when swiping your card. The reason is that when you use the UnionPay channel, UnionPay will convert the local currency into RMB, and you can repay the loan directly in RMB when you return to your home country, so the cardholder only needs to bear the loss of one currency conversion, and there is no currency conversion fee.