If you don't have a dual-currency credit card, apply for a dual-currency credit card, and then go to the bank to open a cross-border e-commerce. If you want to use Haitao or go abroad, China Merchants Bank currently has dual-currency credit cards and full-currency credit cards for you to choose from. If you have a local China Merchants Bank, you can try to apply. Please log on to the credit card website and click "Credit Card Application".

Launch dual-currency credit card

Refers to a bank card with both RMB account and foreign currency (generally USD and EUR). With the continuous improvement of living standards, traveling and shopping abroad has become a very common thing, thus forming a wide demand for bank cards settled in foreign currency.

Therefore, many domestic banks have successively cooperated with international bank card organizations such as VISA and MasterCard to launch bank cards with RMB and USD settlement functions. In China, RMB settlement can be realized through UnionPay. After going abroad, you can spend and withdraw cash at ATMs of merchants and banks that support Visa or MasterCard, and settle in US dollars.

Dual-currency credit cards are convenient for people to settle their consumption in different countries and regions around the world. Dual-currency credit cards are credit cards with RMB and USD settlement accounts, and their functions are basically the same as those of single-currency credit cards. Dual-currency debit cards also have RMB and US dollar settlement accounts.

Can access RMB and USD, without overdraft function. The common dual-currency credit card is UnionPay UnionPay credit card, which can be classified in many ways. In terms of currency, it can be divided into single-currency cards and dual-currency cards. In China, it can be divided into dual-currency cards and RMB cards by currency. Dual-currency generally refers to RMB and USD or RMB and Euro.