UnionPay credit card, RMB settlement, RMB repayment;
International credit card, dollar settlement, dollar repayment, or credit card purchase of foreign exchange repayment function.
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Taking the international route, the consumption is settled in US dollars (except for all-currency credit cards), so if the consumption amount is not US dollars, there will be an exchange fee between the two currencies (about 65438+ 0.5% of the transaction amount). No settlement fee will be charged if the UnionPay line is swiped or the consumption amount is USD. If you spend money by credit card overseas, it is recommended to choose UnionPay channel.