I have applied for a dual-currency credit card in U.S. dollars and RMB. There are two main ways to use U.S. dollars, namely for swiping the card for consumption when going abroad and for consumption on overseas websites.

Card friends who travel abroad, study abroad, or go on business trips can use dual-currency credit cards to use the U.S. dollar account in the credit card when they are away, which also eliminates currency conversion fees.

If you often shop on overseas websites, you can choose payment websites on overseas websites that support US dollar transactions, which is also much more convenient.

In addition, there is currently no way to overdraft or use the US dollar account balance in a credit card in China. Of course, it can also be used through foreign exchange settlement, which may incur some handling fees.