Originally Posted by
jiejie
Many if not most merchants here charge extra 3-5% just for using a foreign credit card.
If they pull that on you without disclosing such, they're in deep doo-doo once you escalate things (i.e. you have grounds to execute a complete chargeback unless they play nice).
As long as you have enough USD income to cover expenses, it makes sense to use Schwab everywhere.