If you want to purchase foreign exchange for repayment, you can directly apply for a debit card, save enough money, and then apply to the counter to open a binding automatic repayment service to purchase foreign exchange for repayment. In this way, the money can be directly deposited into the debit card in the future, and the debit card will be directly transferred to the credit card when it expires, and the repayment will be made at a preferential rate of US dollars.
If it is still unclear, I suggest calling the credit card center according to my method.