If you use VISA or MasterCard, you need one more foreign exchange procedure on the repayment date, which is more troublesome. Most merchants do not meet the requirements of UnionPay cards, so it is recommended to bring full-currency credit cards. In foreign countries, bank cards are charged according to different card types, but in some areas, gold cards and above are exempt from handling fees for every overseas withdrawal.
Credit cards can't be cashed out after they get a certain amount, mainly because the state stipulates that there is a limit on the amount of foreign currency that each person can withdraw from each card in each time period.