There is no cash balance in the credit card, only the credit limit. When spending abroad, you can directly use a credit card to calculate foreign currency consumption, and you can use RMB when you come back.

It's not worth it if you want to change dollars into cash. First, you have to do cash advance by credit card, which is very expensive and the amount is very small. Then you have to pay the bid-ask difference when you exchange foreign currency. Why? In addition, the RMB is appreciating every day now.