Credit card gift certificates often come with the added advantage of global usability, making currency conversion a key feature. Issued by financial institutions or card networks like Visa, MasterCard, or American Express, these certificates allow recipients to shop internationally. When transactions occur in a foreign currency, the certificate automatically processes the exchange based on current rates, often with minimal fees. For users planning to use such 문화상품권현금화 certificates abroad, understanding the associated exchange rate policies and fees can ensure a seamless shopping experience.