The dual-logo card of the global payment card (UnionPay +VISA) has the function of automatic purchase of foreign exchange, that is, whether you use the UnionPay channel or the VISA channel to swipe your card overseas, if the 17 foreign exchange currencies operated by CCB are directly converted into RMB for settlement at the exchange rate of CCB, the conversion fee is free, and the 17 currencies are: US dollar, Japanese yen, Euro, Hong Kong dollar, British pound, Swiss franc, Australian dollar, Canadian dollar, Singapore dollar and Sweden. If the foreign currency transaction currency is not the above 17 currencies, the transaction amount will be converted into US dollars by the VISA organization according to the exchange rate of VISA, and then automatically converted into RMB according to the exchange rate of RMB purchased by CCB (according to the exchange rate of RMB purchased on the day of entry), and the conversion fee will also be exempted, but there should be an exchange rate difference.