If it is pure Haitao, I suggest you apply for a full currency credit card, which can be exempted from the handling fee for purchasing foreign exchange. Moreover, there is no annual fee for all-currency credit cards, so it is very convenient to repay in RMB at any time. However, all-currency cards can only be spent abroad. If you still want to use it in China, you can also apply for a dual-currency card. However, there will be a certain handling fee for spending dual-currency cards in non-US dollar areas.