Credit cards have no foreign exchange business. If you use a credit card to trade overseas or go to Haitao, you can purchase foreign exchange for repayment if you have foreign currency arrears, that is, deposit the equivalent RMB on your credit card and then purchase foreign exchange through online banking. After the purchase of foreign exchange is completed, the dollar arrears will be paid back. In addition, if your card is a dual-standard card, such as UnionPay +VISA, the credit limit is 6000 yuan. Suppose RMB: USD is 1:6, and the credit line on the card is 1 000 USD. If you don't think it's enough, you can also deposit the equivalent amount of RMB into a credit card, so that the dollar limit will be automatically raised. Of course, you can also apply for a temporary limit, so that the dollar limit will automatically increase.