First, for example, a UnionPay single-currency credit card will be automatically converted into RMB after swiping the card, and the cardholder can repay directly according to the RMB amount shown in the bill, and the exchange rate and exchange handling fee have been converted into the bill.

Second, if it is a dual-currency credit card of RMB and USD, take the USD channel, swipe the local currency and enter it in USD, and check the bill. If the cardholder has US dollars, he will directly repay the US dollars. If there is no dollar, he needs to buy foreign exchange in RMB to repay. Buying foreign exchange depends on the selling price of dollars on the day of buying foreign exchange.

Third, if it is a full-currency credit card, it will be automatically converted into RMB, but the full-currency credit card will generally reduce the conversion fee of 1.5%.