If you use a single-currency UnionPay credit card when making purchases, and the payment is directly debited in RMB, it will be converted into RMB according to the dynamic exchange rate DCC at the time when you swipe the card. When repaying, you only need to pay it back to the bill. The corresponding RMB amount displayed is sufficient;

If a dual-currency credit card is used for consumption, the account will be recorded in U.S. dollars. When repaying, the cardholder needs to purchase foreign exchange from the card-issuing bank for repayment. The exchange rate used is the US dollar selling price of the card issuing bank on the day of repayment. This selling price is generally updated at 10 a.m. every day. In other words, you can choose the day with the lowest exchange rate to repay based on the daily exchange rate before the final repayment date. Extended information

The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his basic information, etc. And submit certain copies of documents and certificates to the card issuing bank. After the customer fills in the application form truthfully according to the content, the customer must also submit the relevant credit certificate while submitting the completed application form.

The application form is accompanied by a credit card use contract. The applicant authorizes the card issuer or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card issuer's privacy protection policy, etc., and must have an application. A person's autograph.

Baidu Encyclopedia-Credit Card