I have one credit card, pay it off monthly and have never carried a balance on it, so I am pretty familiar with how it operates. Lately, I have had two transactions that have carried a "Foreign Transaction Fee". Never heard of this before. So, of course, I googled it and found out that not only is that charged when the card is used in another country, but if the business is based in another country or has a bank account it passes through in another country. Both purchases were when I bought CBD hemp oil, but from two different vendors. Both in the U.S. and the hemp is marketed as being grown in the U.S. etc. I thought I was dealing with a totally U.S. company, but now I wonder if some part of it, or at least it's banking is somewhere else? One company, Bluebird Botanicals, is in CO, and the the other one, CBDmd, is in NC. I am a little perplexed why in all the purchases I have made, it would be two for the same type product but different companies? Hummm....