Credit card settlement currencies are RMB and US dollars. When you go to India to swipe your card in local currency, it will be converted into US dollars at the exchange rate of the day and recorded in the credit card debt. If you have US dollars in hand, you can deposit it directly when repaying the payment. , if you do not have the corresponding RMB, you can call the credit card center to handle the entrusted foreign exchange purchase business and pay the debt directly. Hope this helps.