Hello, the credit card route is different. UnionPay is a bank card organization in China. With the help of UnionPay, you can withdraw money from banks in China and spend money on POS machines of merchants. At present, many overseas countries such as Singapore and New Zealand also support UnionPay for withdrawal and consumption. VISA, MasterCard, JCB and American Express are all overseas credit card organizations, among which VISA's special merchants are mainly concentrated in North America, Asia Pacific and other regions; MasterCard's special merchants are mainly concentrated in Europe, Southeast Asia and other regions; JCB- Japan Credit Card Co., Ltd., whose special merchants are mainly concentrated in Japan; American Express Company has issued American Express cards in 13 countries and regions, providing premium card service to more than 7 million cardholders of 17, corporate customers around the world.