Credit card organization, currency exchange fee, annual fee, consumption channels.

1. Credit card organization: Dual-currency credit card is a credit card with both RMB account and foreign currency account. It also supports the cooperative issuance of UnionPay and an international credit card organization, while full-currency credit card is independently issued by a single international credit card organization. issued.

2. Currency exchange fee: When a dual-currency card is used for overseas consumption, a certain rate of currency exchange fee will be charged if it is not in US dollars. However, when a full-currency card is used for overseas consumption, there is no such fee.

3. Annual fee: Dual-currency credit cards will charge annual fees, while full-currency credit cards have no annual fees.

4. Consumption channels: Dual-currency credit cards use UnionPay channels for domestic consumption, but will automatically enter the foreign currency settlement system when spending overseas. Full-currency credit cards cannot use UnionPay channels for domestic consumption.