When using international credit cards to make purchases abroad, you can conduct transactions through different lines, such as UnionPay, Visa, MasterCard, American Express, JCB, etc.

Repayment selection method:

1. When choosing the UnionPay line, all foreign currency transactions will be converted into RMB amounts according to the real-time exchange rate and credited to the RMB account of the international card. And UnionPay does not charge any handling fees.

2. If you choose other routes, the consumption amount will be included in the foreign currency account, and you may face a foreign exchange fee.

Repayment methods of linked accounts:

1. Repayment of linked accounts with debit cards, but not all linked accounts can automatically repay credit card foreign currency debts.

2. Generally speaking, when binding a debit card for automatic repayment, the cardholder needs to choose whether to associate the debit card account with the credit card foreign currency account. If there is no choice, the debit card account will only repay the credit card RMB account arrears. Only after the automatic repayment function of the foreign currency account is set up, the arrears in the foreign currency account will be repaid together.

For unlinked accounts, you can purchase foreign exchange and repay over the phone:

If there is no associated account bound to the credit card, the cardholder also has a variety of ways to repay the outstanding balance in the foreign currency account. choose.

1. You can deposit the corresponding foreign currency into the credit card foreign currency account at the bank counter.

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