CITIC Bank credit cards have foreign currency (USD/HKD/EUR) consumption that has been recorded but not repaid. If the customer needs to repay but does not have foreign currency cash, they can directly deposit sufficient RMB at a certain exchange rate. (Telephone foreign exchange purchase is based on the time when the customer calls to purchase foreign exchange, automatic foreign exchange purchase is based on the exchange rate on the day of deposit) Convert to foreign currency for repayment.