first, look at the types of cards held. if it is a dual-currency card, take the VISA channel, and the dual-currency card will first charge the Japanese yen consumed to the US dollar account according to the exchange rate and currency conversion fee on the day of VISA. When repaying, US dollars will be returned to US dollars, and no US dollars will be repaid by purchasing foreign exchange in RMB.

second, if it is an all-currency card, the main function of all-currency card is to exempt the currency conversion fee and handle the transaction requirements of all currencies. Consumption of local currency can be directly credited to RMB for repayment, and the procedures for purchasing foreign exchange are exempted.