Comparing the two, full-currency is better. If you use a full-currency credit card, you can spend in any foreign currency around the world with 0 currency exchange fees and automatically activate the foreign exchange purchase function; swipe JCB on international lines. Settlement will be in US dollars. Since overseas consumption by credit card will be settled in US dollars, if the consumption amount is Japanese yen, there will be an exchange fee between the two currencies, which is 1.5% of the transaction amount. The exchange fee is collected by our bank on behalf of international organizations.