First of all, let me explain that today’s credit cards are basically dual-currency, and one card has two accounts in RMB and US dollars.

If you use UnionPay POS, there is no problem of purchasing foreign exchange for repayment. The system will automatically deduct the balance of the credit card's RMB account based on the exchange rate of RMB to Hong Kong dollars at the time when you swipe the card.

If you swipe the POS of another organization, the system will deduct the balance of the credit card's U.S. dollar account according to the exchange rate of U.S. dollars to Hong Kong dollars at the time when the card is swiped, and then automatically help you purchase foreign exchange in RMB according to the exchange rate of RMB to U.S. dollars when repaying. However, the handling fee for foreign exchange purchase will be automatically deducted. So if you study it carefully, there is still a difference between the two. There is a problem of exchange rate fluctuations, and there is no need to pay foreign exchange purchase fees when using UnionPay POS