According to the regulations of domestic banks, if a credit card is spent in foreign currency abroad, it must be converted into equivalent foreign currency after returning home to repay the loan. If you spend directly in RMB abroad, you only need to think that the arrears are domestic RMB and repay them directly.

In the process of repayment, if any extra money is deposited, it will be regarded as an overflow and directly deposited into the cardholder's credit card.

After returning home, you should convert RMB into equivalent foreign currency and repay it. If RMB is directly used for foreign currency consumption, the bank only defaults to repay RMB arrears, and the extra money becomes overpayment.