1 You can choose US dollars or RMB for consumption. Now the most cost-effective way to swipe your card abroad is to tell people that the UnionPay channel is not the VISA channel, which is the most economical, and to settle directly in RMB.

2 The credit card amount is to occupy the amount of your overpayment first, and then the amount of your original card. Similarly, it depends on whether you take the UnionPay channel or the VISA channel. One is credited in RMB and the other is credited in US dollars.

I hope to accept the answer.