YOUNG is China Merchants Bank's VIAS dual-currency credit card, which is US dollars and RMB.

The prices for credit card swiping in Hong Kong are all in Hong Kong dollars. There are two types of lines when actually swiping the card. The first is the UnionPay line. That is the RMB line, which means that when you swipe this line, you will be billed in RMB according to the exchange rate of RMB to Hong Kong dollars at the time of your consumption. The other type is VISA's US dollar line. The consumption on this line will be billed in US dollars. When you swipe the card It will be converted according to the exchange rate of Hong Kong dollars to US dollars at that time, and a US dollar bill will be issued. At the same time, a foreign exchange conversion fee of 1.5 will be added. After you receive the US dollar bill, of course you can directly repay the US dollars or use RMB to purchase foreign exchange for repayment (foreign exchange purchase) There is no handling fee for repayment)

The foreign exchange purchase handling fees of each bank may be a little different. Others, such as the exchange rate, are organized according to credit cards such as UnionPay or VISA MASTER JCB.

PS: If you swipe Hong Kong dollars and use the US dollar route, the RMB limit will indeed be reduced, but this reduction is not based on the exchange rate at that time. It is a reference exchange rate set by the banking system, which is basically around 7.2. The actual exchange rate will be determined after the export. Bills and adjustments when you purchase foreign exchange and repay them