First, you can directly deposit RMB, but you will have to bear the interest rate loss of converting RMB into US dollars and US dollars into pounds. If you deposit US dollars directly, you will save a little more.

Second, the credit card limit is 10,000, probably more than 10,000. In this way, the foreign currency exchange rate changes all the time. You can go to the bank to check the exchange at any time when needed. Anyway, you have to go. At the bank counter.