1. A multi-currency credit card refers to a credit card with multiple settlement currencies, and a dual-currency credit card refers to a credit card with only two settlement currencies.

2. Multi-currency credit cards, where there is a 1 1 currency account, are charged in local currency, and dual-currency credit cards are charged in US dollars outside China.

3. Multi-currency credit cards don't need currency conversion fees when spending in the place of 1 1 currency account, and dual-currency cards don't use US dollars and RMB, but need currency transfer fees.