If you have a full-currency credit card, they now claim to have no currency conversion fees. If it is a dual-currency card, when you swipe through the U.S. dollar channel, U.S. dollars will be credited into your account. After you come back, if you have U.S. dollars, you will deposit U.S. dollars. If you don’t have U.S. dollars, you will have to purchase foreign exchange and repay the money at the bank’s selling exchange rate. If you use the UnionPay route, when you swipe the card, you can convert it into RMB according to the DCC dynamic exchange rate and deposit it into your account, and you can pay it back in RMB when you come back.