If you still have available limits, it's actually worth considering a switch. Regarding USD to RMB exchange, quite a few people are bearish on the market next year, thinking it will continue to depreciate. But since the limit wasn't used up this year, who can predict what will happen next? Instead of regretting, it's better to seize the current opportunity. After all, once the foreign exchange limit is used, it's used; leaving it unused might just be a waste. Exchange rates are sometimes like this — things that seem stable can suddenly change.