After obtaining foreign exchange loans from banks or overseas, enterprises do not directly use foreign exchange funds, but settle foreign exchange to banks and obtain RMB funds for use. This phenomenon is called loan substitution.
According to the above definition, which of the following is a loan substitution?
Xiao Yu went to the bank to exchange some foreign currencies before traveling abroad. When he went abroad, he settled with a credit card and repaid in RMB after returning home.