Credit card is a payment tool, not a settlement account in the full sense. You ask this question, I think you should know the difference between foreign savings accounts, settlement accounts (checking accounts) and credit card accounts.

If you want to send money abroad, you need to use appropriate overseas remittance channels, but the premise is that you must comply with and abide by the relevant provisions of the Regulations on Foreign Exchange Control in People's Republic of China (PRC). Of course, you'd better have a single-currency dollar card or RMB credit card that can use foreign currency.

There are three ways:

1. You can send the card directly to your remittance recipient. If he is a family member or a trusted person, he can directly take the card abroad to withdraw local currency, but this method will endanger the security of your card account, so please use it with caution.

2. Western Union remittance can be considered. At present, some outlets of China Agricultural Bank and China Post accept this service.

You can use PAYPAL directly, but if you are unfamiliar with the network or lack trust, I suggest you use it carefully. About 2.9%+30 cents each.

Speaking of the above, you may ask how to spend directly in US dollars, so I think you can use the international card of Industrial and Commercial Bank of China or American Express card to complete this business, because only the ICBC card can directly withdraw US dollar cash at the counter, and you can also easily repay RMB with sufficient foreign exchange through various channels. Of course, the first and third methods are to directly deduct your dollar account, so you don't have to do the above work.

I hope my answer can help you!