When using a full-currency card within the country, you must go through the channels of an international credit card organization. You must convert it into U.S. dollars according to the exchange rate of the organization that day, and then convert it into RMB for billing.

There may be exchange rate losses during this process. Whether it is cost-effective depends on the exchange rate of the day. When using it domestically, it is recommended to apply for a UnionPay card.