The US dollar quota and RMB quota in the Platinum Credit Card of China Everbright Bank are universal. If you use one of them, the amount of the other currency will be reduced accordingly, so you don't need to exchange it, just use it directly.

If it is necessary to exchange, you can use the following methods to exchange:

1. If you want to exchange cash, you must go to the bank counter to exchange it. You need to bring your valid ID card to the counter to fill out the application for purchasing foreign exchange.

2. If the money is in the card, you can exchange it at the ATM first, and then go directly to the bank counter to withdraw it.

3. Online banking exchange: log in to online banking, select investment and wealth management, click settlement and sale of foreign exchange, select RMB to purchase foreign exchange, and then withdraw cash from the bank.