When purchasing foreign exchange for repayment, it is necessary to ensure that the RMB account has enough overpayment (that is, excess deposits) and the foreign currency account has enough arrears (bills), and repay the foreign currency arrears by deducting the deposits in the people's account. You can purchase foreign exchange for repayment through "China Bank Credit Card" WeChat official account, colorful life APP, personal online banking, China Bank credit card customer service hotline 4006695566 and other channels.

The above contents are for your reference. Please refer to the actual business regulations.

How to pay back the foreign currency debt of credit card?

At present, China Bank supports many foreign currency repayment methods, such as telephone purchase of foreign exchange, automatic deduction and automatic purchase of foreign exchange.

(1) If you enable the global single RMB settlement function, all the foreign currencies you consume will be recorded in RMB, and you only need to repay RMB;

(2) If you are bound to automatic repayment, you can choose to repay your credit card's foreign currency debt with RMB in the associated account or with the corresponding foreign currency in the associated account;

(3) If you have enabled the automatic foreign exchange purchase function, you only need to ensure that there is enough RMB credit balance in the RMB account of the credit card to repay the foreign currency arrears on the due repayment date, and the system will automatically repay the foreign currency arrears with RMB credit balance according to the real-time exchange rate of that day;

(4) Bring the current bill and the original ID card to the counter to purchase foreign exchange for repayment;

(5) If there is RMB credit balance in the account, you can purchase foreign exchange for repayment through China Bank's mobile banking, "China Bank Credit Card" WeChat official account, colorful life APP, online banking, customer service hotline and other channels.

The above contents are for your reference. Please refer to the actual business regulations.

How to operate CCB credit card repayment in US dollars?

Customers can repay the foreign currency arrears of CCB credit cards in the following ways:

1. Log in to mobile banking, select the credit card and repayment currency through "Credit Card-Card Service-My Account-Repayment on My behalf", and then repay the foreign currency debt of my credit card by purchasing foreign exchange for repayment or repayment in the same currency.

2. Log in to personal online banking, select credit card and foreign currency through "Credit card-account transaction-repayment on my behalf", and then repay the foreign currency debt of my credit card by purchasing foreign exchange for repayment or repayment in the same currency.

Reminder: If a customer purchases foreign exchange with an available credit card for repayment, interest will be charged on the overdrawn foreign exchange purchased from the date of purchase, with compound interest on a monthly basis.

(In case of business changes, please refer to the actual situation. )

How do I return US dollars to my credit card account?

Take your ID card to the counter, and RMB can be handled directly. When foreign currency consumption has generated US dollar bills, you can choose to enable the function of "purchasing foreign exchange with US dollar bills for repayment".

After opening, your RMB repayment will be automatically converted into US dollars, and your US dollar bill will be repaid first (the exchange rate is the exchange rate on the day you pay), and the repayment after the US dollar bill is paid off will continue to repay your RMB bill.

The credit card of China Merchants Bank will be repaid in US dollars. There are three ways for reference:

1. All-in-one cards and credit cards go to the counter to open the self-service transfer function. All-in-one-card purchases foreign exchange directly in US dollars, and online banking directly repays it manually.

2. If it is inconvenient to go to the counter, a credit card will be opened, and the credit card will be automatically debited after purchasing US dollars.

3. The credit card has the function of purchasing foreign exchange, and the one-card card is also RMB.

Extended data:

Matters needing attention in RMB-USD bill:

1. If the foreign currency transaction is not USD, it will be converted into USD by the international credit card organization and recorded in the USD bill. (In the above process, international organizations such as VISA and MasterCard will charge 1.5% foreign exchange handling fee. )

2. The amount of foreign exchange purchased in the current period cannot exceed the amount of the current US dollar bill, and the exchange rate for foreign exchange purchase is the US dollar selling price of China Merchants Bank announced on the repayment date 10.

3. If you set the function of purchasing foreign exchange for repayment of US dollar bills and the function of "automatic repayment" for US dollar accounts at the same time, your RMB repayment will give priority to purchasing foreign exchange for repayment of your US dollar bills, and the difference between the self-deduction amount (full or minimum) set for your US dollar bills during this period and the agreed foreign exchange purchase amount will be deducted from your designated US dollar automatic repayment account.

4. After the automatic purchase of foreign exchange is set up successfully, if the cardholder fails to pay off the US dollar bill on the due repayment date, and if there is RMB overpayment in your credit card, our bank will automatically deduct the corresponding amount from your RMB overpayment to purchase foreign exchange to repay your US dollar bill.