Based on the description, this card has two credit card payment lines overseas, one is UnionPay and the other is JCB.

1. When the card is swiped on JCB international routes, the settlement will be in U.S. dollars, and each transaction will be charged an exchange fee of 1.5 of the transaction amount (if the place of consumption directly uses U.S. dollars to settle, no exchange fee will be charged) . After the bill is settled, you can activate the foreign exchange repayment function and repay the US dollar bill in RMB

2. You can also swipe your card for consumption on overseas UnionPay lines and settle directly in RMB.