A credit card with a limit of 12,000 can spend 12,000 on the POS machine. It is understood that this means that the maximum total amount can be brushed out is 12,000. There is no problem with spending by swiping the card. The dual-currency credit card means that you can use 12,000 yuan in RMB alone. If converted into foreign currency, you can also use the equivalent of 12,000 yuan in foreign currency. If all 12,000 yuan in yuan is used up, then the foreign currency will also be used. It can’t be used anymore, it’s just a limit.