The US dollar and RMB limits in the credit card are exclusive. The limit display should be similar to this: the RMB limit is 1,000 yuan and the US dollar limit is 200 yuan.

This means that you can spend 1,000 yuan by swiping your card, or 200 US dollars by swiping your card.

Note that it is "or".

When you actually spend 1,000 yuan with your card, the limit of 200 US dollars will naturally become zero.

If you really need to spend US dollars, just go to duty-free stores, Amazon (USA) and other places where you can spend US dollars.

However, it seems that a "foreign exchange purchase fee" will be charged, but I have not found out the specific fee ratio.

Extended information:

The credit card limit refers to the maximum overdraft limit issued by the bank to the credit card holder. Different credit card levels have different limits, among which:

1. The limit of a regular credit card is about 3,000-10,000;

2. The limit of a gold credit card is about 10,000-50,000;

3. The limit of a platinum credit card is more than 50,000 , and so on.

The credit card limit is mainly determined by the credit card applicant's personal credit, repayment ability and other comprehensive qualifications. If you want to know how much credit limit you have, you can go to the bank to apply for a credit card.

Tips for increasing credit card limits:

1. Frequently swipe credit cards

Credit cards have annual fees. Some cards are free of charge if you spend a certain amount. fee. Some are free of annual fees after a certain number of transactions. By swiping your credit card frequently, you can not only avoid annual fees, but also increase your credit card limit. If you use it regularly, you will invisibly become an active user of the card issuing bank. When you increase your credit limit, you will receive certain rewards.

If you have continuous and stable consumption and have transactions every month, the card issuer will even take the initiative to provide you with a credit limit increase. Even if you apply for a permanent quota increase, the possibility of being approved is very high.

2. Irregular high-amount consumption

Frequent use of credit cards represents stable activity, while irregular large-amount consumption and the ability to repay it on time will be recognized by the card issuer. For quality customers. It will also become very simple for card owners to apply for a limit increase. Of course, this type of large consumption is not a max-out.

There is a big difference between frequently swiping your credit card and frequently maxing out your credit card. Normally, when applying for a credit card, the limit will not be very high. If you frequently empty your credit limit in one go, even if you can repay it on time later, it will be a big no-no for you to increase your credit limit.

3. Do not cash out maliciously

Credit cards support cash withdrawals. If you withdraw cash normally, you can also increase the limit. However, if it is a malicious cash-out, once discovered, the card will be blocked and the credit will be reduced. It will be more difficult to leverage loans by increasing the quota.

Actually, this can be avoided. Do not swipe the card multiple times on the same card machine within a short period of time. Do not swipe the card at the end of an integer, or do not swipe the card during the business hours. As long as it does not comply with normal consumption logic, it will naturally not be judged as malicious cashing out.

For malicious cash-out behavior, the card issuing bank’s handling results are still very serious. Blocking the card and reducing the credit limit is a better result, but once the personal credit report is on, the impact will be greater.

The most basic thing is to do your best, don’t overdue, repay on time, and the amount will always be increased. When using it, you must pay attention to using the card safely and protect your personal information and credit information to avoid unnecessary trouble. Do you think credit cards have changed your life?