Dual-currency cards use UnionPay network in China, and you can use UnionPay network or VISA network when swiping cards abroad. The difference is that taking the UnionPay network can save 1-2% of the currency conversion fee, and you can return RMB directly after returning to China without changing foreign exchange for repayment.

Supplement: The universal black visa card for young people is suitable for college graduates after 2003. The lowest is 5000 and the highest is 50000. Can cash 65,438+000%. The cash withdrawal fee is 2000 yuan per 5 yuan. No matter whether you are in different banks or in different places, you can apply for installment by spending 500 cents at a time. There is also a youth card gift area.