1. For dual-currency credit card consumption, if you use UnionPay or a single-currency UnionPay credit card, and directly deposit it 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 repay the corresponding RMB amount shown on the bill;

2. If you choose the U.S. dollar path (VISA or MASTER) of the dual-currency credit card at that time, then That is, US dollars are entered into the account. 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 usually updated at 10 a.m. every day. of. If you purchase foreign exchange and repay the loan before 10 a.m., the US dollar selling price exchange rate of the card issuing bank the day before will be used.