The Renminbi Credit Card is a single-currency card and cannot withdraw foreign currency. However, if you are in the United States, you can directly swipe the card in U.S. dollars and pay it back in RMB when you return home. The exchange rate is based on The exchange rate at the time of repayment is calculated.

Foreign Currency Card refers to a credit card that uses the legal currency of the country where the settlement currency institution is located. Generally speaking, most credit card operators are institutions in countries with freely convertible currencies. Therefore, in such countries, there is no difference between foreign currency cards and local currency cards. In most developing countries, the currencies of many countries are not freely convertible. Therefore, even if a credit card using this currency as the settlement currency joins an international credit card organization, it can only issue regional cards and cannot be used internationally. To this end, card issuers must use a freely convertible currency, that is, an internationally accepted currency, as the settlement currency for their international cards, so as to achieve the purpose of issuing international credit cards. This is the so-called foreign currency card.