CCB credit cards include single-currency cards and dual-currency cards. If you hold a visa single-label credit card, then all CCB’s currently have the function of automatically purchasing foreign exchange. No matter what currency you spend, you will automatically purchase foreign exchange and repay the payment directly in RMB. Dual currency cards are generally UnionPay + visa, UnionPay + master, UnionPay + JCB. This kind of card usually has RMB account and US dollar account, RMB account and Euro account. When you use visa, you will settle the account in foreign currency, but now China Construction Bank Standard platinum cards and above all have automatic foreign exchange purchase function. Even if you settle in foreign currency, foreign exchange will be automatically purchased for you. The final bill will still be recorded in RMB, and you can just repay in RMB.