If you pay by credit card in Nichia, it will be settled in US dollars. When repaying, you need to pay attention to the fact that you need to activate foreign exchange purchase and repayment. You can directly call the customer service of the credit card bank you use, or go to online banking to activate it yourself. After activation, you can use RMB to repay. If the account bound to automatic repayment needs to be set up to repay foreign exchange, if you repay manually every time, you will be prompted to purchase foreign currency to repay when there is foreign currency to repay.