If you have activated your credit card to automatically purchase foreign exchange, and you have U.S. dollars and other non-RMB purchases credited to your account in the future, the bank will automatically use your repayment to purchase foreign exchange to repay foreign currency bills, and then repay the RMB bills. If it is not activated, you will need to purchase foreign currency yourself when paying foreign currency bills, or repay the foreign currency directly. Different banks charge different fees for credit card foreign exchange purchases. Some banks charge a 1.5% handling fee, while others only charge RMB based on the exchange rate on the day of repayment.