This card can only be used for transactions through VISA channels and cannot be used for transactions through UnionPay channels. You can avoid currency exchange handling fees when you use the Quanbitong credit card to make purchases abroad: no need to queue up to buy foreign exchange, no need to buy foreign exchange online, and no handling fees. At the same time, you can also enjoy VISA line rebates starting from RMB 3,000 on global purchases, with a maximum monthly limit per card $100 cash back.