China Construction Bank Credit Card has two accounts, RMB and foreign currency. The RMB account and the foreign currency account are two independent accounts. When spending, different currencies need to be traded in the corresponding accounts respectively, except for repayment. Except for the need to make separate repayments, everything else remains unchanged.

When repaying a foreign currency account, cardholders can apply to China Construction Bank to purchase foreign exchange for repayment, or they can purchase US dollar cash at China Construction Bank and deposit it into their account for repayment. For specific details, please call the China Construction Bank customer service hotline 95533 for consultation.

China Construction Bank's credit card regulations clearly state that when repaying foreign currency debts, personal card holders must deposit the foreign currency cash they hold or purchase according to regulations or use the foreign currency banknotes they open with the bank. For transfers and deposits into foreign exchange savings accounts, you can also apply to our bank for foreign exchange purchase and repayment. Foreign currency repayment business should comply with the relevant regulations of the State Administration of Foreign Exchange.

Extended information:

Repayment methods of China Construction Bank credit cards

At present, the common repayment methods of China Construction Bank credit cards mainly include the following categories:

1. Repayment within the card-issuing bank includes: card-issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. After repayment, the credit card limit will be restored immediately, and the payment will generally be credited to the account after the system processes it on the same day.

2. Inter-bank transfers/remittances and repayments are mainly divided into two methods: inter-bank inter-bank in the same city and inter-bank inter-bank in different places. Regardless of the method of transfer or remittance, the remittance bank will charge a certain fee. At the same time, the time it takes for the money to arrive and the convenience of repayment are not as good as intra-peer repayment, online repayment, convenience store repayment and other methods.

3. The more common domestic online platforms for online repayment include: UnionPay Online, Kuaiqian, Shengfutong, Alipay, etc. Depending on the platform and bank you choose, the charging standards and specific payment arrival time will be different.

4. Convenience store repayment This method mainly completes repayment through the "Lakala" smart payment terminal installed in the convenience store. It usually takes 2 to 3 working days to arrive in the account, and there is no handling fee for repayment using this method.

5. Counter repayment counter refers to bank cards issued by various networked financial institutions. RMB current deposits and withdrawals can be carried out through the counters of other bank branches registered in the UnionPay exchange center host system. .

6. Xinpaytong repayment "Xinpaytong" smart card swiping phone is an innovative electronic device independently developed by China UnionPay, certified by the Bank Card Testing Center, and supported by financial services provided by China UnionPay's inter-bank information exchange network. product.

7. Repayment Tong uses "Repayment Tong" to repay, and the fees are generally charged according to the fee standards for intra-city inter-bank transfers and long-distance inter-bank remittances stipulated by the local People's Bank of China.

8. Other repayment methods In addition to the methods mentioned above, card issuers have also opened their own unique repayment methods in order to facilitate cardholders' repayment

Baidu Encyclopedia-China Construction Bank Credit Card