Repayment can be made through automatic transfer of foreign currency.

Foreign currency automatic transfer repayment is to associate the cardholder’s CITIC debit card or current passbook with the cardholder’s credit card, so that the bank system automatically checks the cardholder’s balance on the last payment date of the credit card. Debit the foreign currency account of the person's debit card or current passbook, and the repayment to the foreign currency account corresponding to the associated credit card has been completed.

If the cardholder has opened a CITIC debit card or current passbook, the cardholder can apply for the foreign currency automatic repayment service through the 400 customer service hotline, CITIC Bank personal online banking or at a CITIC Bank branch.

If there is no associated account bound to the credit card, the cardholder also has a variety of options to choose from when repaying the outstanding balance in the foreign currency account:

1. You can pay the balance at the bank counter. The corresponding foreign currency is deposited into the credit card's foreign currency account, but the cardholder may not have enough foreign currency on hand.

2. Cardholders can purchase and repay foreign exchange at bank outlets that have enabled the "Private Purchase of Foreign Exchange" function.