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When I swipe a credit card abroad and use UnionPay, why does the text message prompt me not to convert it to RMB, but to US dollars?

First of all, your credit card must not be a single-currency card, but may be a dual-currency card, which means that you can spend both RMB and US dollars on the card. Therefore, when you spend abroad, you will automatically be billed in US dollars. .After that, you can deposit RMB and make repayment by purchasing foreign exchange in RMB, or you can directly deposit U.S. dollars to repay.