英國美國的信用卡就沒有這項費用

i dont think so

later the repayment or deposit in advance in non-domestic notes by all means fx rate terms are always in banks' side you lose your money as well

seems there are lots of terms are designed for customers they are all potential traps awaiting you gonna be very careful to take advantages from credit card transactions but losing money via paying interest or service charge for the card is far too easy