There are credit institutions on the left side of the bank card ... Most of us are UnionPay in China ... and only withdraw money in China.

When you go abroad, you must use a credit card with the logo of an international credit institution. ..

For example, VISA .. master .. JCB JCB. etc ....

But when I returned to China, I paid it back at the exchange rate of US dollars. ....

by the way

If you spend money in Macau or Hong Kong, you must use the UnionPay channel ... because it is cheaper.