Both are fine.

1. Purchase foreign exchange and repay the loan manually. You can purchase US dollars and deposit them into your credit card on any day before the final payment date when you think the exchange rate is the lowest.

2. Automatically purchase foreign exchange and repay with credit card. Deposit enough RMB (generally 7 times the amount of US dollars you spend, and the bank calculates it roughly at 1:7) to your credit card. On the final repayment day, the bank will settle the settlement for you based on the cash selling price based on the foreign exchange rate on that day. of!