Is it cost effective to use RMB directly to account for overseas shopping consumption or use US doll

It is recommended that customers apply for the VISA World Cup credit card of the ABC My Way series, which is a credit card created for young people who pay attention to the World Cup and love sports, and belongs to the special theme card under the MY WAY series of credit cards for young customers.

1. From now until February 28, 2019, the main cardholders of the ABC Visa World Cup Credit Card can obtain ** qualification after registering their travel information through the H5 activity page, and have the opportunity to win overseas card funds ranging from US$10 to US$200.

2. Apply for ABC VISA World Cup Credit Card to enjoy free annual fee and 1% currency conversion fee.

3. The design of the card adopts the exclusive design of the 2018 FIFA World Cup in Russia, the movement track of the football through classic Russian buildings, mountains and rivers, and at the same time contains traditional Russian elements such as easter eggs, ballet, and nesting dolls, showing the unique culture of the Russian World Cup.

It depends on the exchange rate at the time, but it is generally cost-effective to use foreign currency.

If it is a China Merchants Bank credit card, after opening the automatic foreign currency exchange function, the foreign currency will be credited to the account in RMB, and the repayment can be made in RMB.

It depends on the currency in which the account is credited, if it is a foreign currency, you can use RMB to buy foreign exchange and repay the loan.

Which country are you shopping in? America? If it is the United States, as long as the overseas transaction function is enabled, you can swipe it.

And whether you are an international debit card or a credit card, the debit card can directly exchange RMB for US dollars at the exchange rate of the day. If it is a credit card, Lao Song must use a foreign currency credit card to overdraft US dollars.

There are handling fees, of course, each bank has different regulations, you still have to consult the bank, there is no currency conversion fee, the bank does not charge foreign exchange purchase fees, they make money through the spread between the purchase of foreign exchange and foreign exchange settlement. If you use a foreign credit card, you must return the foreign currency after returning to China, and if you don't have a foreign currency, you can take the RMB to the counter to exchange it on the spot, and of course you will exchange it at the exchange rate on the spot, and the loss can only be borne by yourself.

In addition, if you go to Europe and Australia, because the bank uses US dollars for settlement by default, the bank will first exchange RMB for US dollars, and then for euros, and the losses are all borne by the customer. So if you want to save money, it's best to get a euro card and an Australian dollar card, I know that Minsheng Bank has this card. Credit cards are not recommended, international settlement is very troublesome, and it is always the user who suffers.

The RMB exchange rate changes every day, up and down, mainly depending on how much you have to pay every day, it doesn't matter if it's less, if it's big, you pay attention to which day the exchange rate is relatively small and then pay! In addition, it is worth noting that the ** that specializes in overseas shopping, if it is a fixed exchange rate, you can pay it any day!

No, if you are a Visa or Master card, as long as you have the currency of US dollars in your card, there is no overcharge of your money, unless your card does not have a US dollar account, such as RMB and Euro dual currency, then you will exchange US dollars into euros for your account, Visa will charge you a currency conversion fee, 1%, Master charges.

No, it's only like this when you're swiping abroad, it depends on the specific bank, and now there is that all-currency credit card, and there is no exchange fee.

1 RMB = EUR.

Since 1 RMB = US dollar 1 US dollar = euro For example, 10,000 yuan is directly converted to euro euro first to dollar and then to euro dollar = euro so it is very clear . For reference only, the actual redemption shall prevail).