UnionPay line credit card is directly settled in RMB;
If you swipe your card on an international line, it will be settled in US dollars. Since the consumption outside the credit card will be settled in US dollars,
So if the consumption amount is not US dollars, there will be exchange fees between the two currencies.
If you brush the UnionPay line or spend US dollars, there will be no settlement procedures.
You spend yen, convert it into dollars, and generate dollar bills. On the repayment date, the bill can be returned to the US dollar in RMB.