It depends on which channel you use. If there is a UnionPay channel, it will be settled in RMB. If it is visa or MASTER, then it is Korean won against RMB or Korean won against US dollar against RMB. Therefore, it is very important to choose a good credit card when traveling abroad. If you are exchanging between two currencies, the number of exchange differences will be less, which will save money relatively speaking. If you want to convert it into US dollars and then into RMB, there will be two foreign exchange differences, and your consumption amount will be higher in disguise. Of course, it will be better if the RMB rises.