It's a headache to account for foreign consumption, sometimes it takes a month to account for it, and the Bank of China can't manage it. If the quota is not enough, it's better to apply for foreign exchange purchase in China and deposit the US dollars in a credit card.

One advantage of this situation is that you can enjoy a very long interest-free period. If the consumption is accounted for after 3 days, the interest-free period can reach nearly 9 days theoretically.