More analysis. I don't see a significant difference between the XE.com and Commerce Bank/Capital One charges. The variance may be due to when the charge was processed as the XE.com historical chart only shows at 12 PM (not sure of time zone).

Date RMB Charge (US$) Exhange Rate XE.com Rate Variation XE Charge Deviation % Type

Capital One
5/23/2006 ￥90.45 $11.31 7.99734748 8.0175 -0.02015252 $11.28 -$0.03 -0.0025199 POS
5/24/2006 ￥356.90 $44.60 8.002242152 8.0177 -0.015457848 $44.51 -$0.09 -0.00193169 POS
5/27/2006 ￥265.00 $33.12 8.001207729 8.025 -0.023792271 $33.02 -$0.10 -0.002973585 POS



Commerce
6/8/2006 ￥2,000.00 $250.10 7.996801279 8.0162 -0.019398721 $249.49 -$0.61 -0.00242581 ATM
5/11/2006 ￥93.00 $11.65 7.982832618 8.0035 -0.020667382 $11.62 -$0.03 -0.002588978 POS
4/26/2006 ￥707.00 $88.42 7.995928523 8.0165 -0.020571477 $88.19 -$0.23 -0.002572744 POS