All-currency credit card:

Advantages:

(1) UnionPay and MasterCard have dual channels, and there are many credit card channels, which are available in China, and Alipay repays;

(2) Repayment can be made by purchasing foreign exchange in RMB or directly in foreign currency, which is flexible;

(3) Start automatic purchase of foreign exchange, and automatically purchase foreign exchange from debit card for repayment on the repayment date; If automatic purchase of foreign exchange is turned off, you need to purchase foreign exchange manually for repayment;

(4) Free of foreign currency exchange fees.

Disadvantages: there is an annual fee, and there is no annual fee for swiping the gold card for 5 times; The annual fee of Platinum Card is 2000, and the consumption of 20W in the annual cycle is exempted.