CCB credit cards include single-currency cards and dual-currency cards. Generally, the single-currency card marked by UnionPay is a single-currency card, because no matter what currency you spend, it will be recorded in RMB without any fees. Dual currency cards are generally UnionPay+visa, UnionPay+master, UnionPay+JCB. This kind of card usually has RMB account and US dollar account, RMB account and Euro account. When you use visa, master, or jcb, you can settle your account in foreign currency. If you pay Japanese yen through visa, master, or jcb, it will be converted into US dollars/euros and will be credited, and there will be an exchange fee of 1.5%. If your credit card is a standard platinum card or above, then the credit card has the function of automatically purchasing foreign exchange. Your foreign currency transactions will be automatically purchased in RMB and there will be no exchange fees.