Nowadays, with the development of the economy and the great improvement of consumption power, the use of credit cards is becoming more and more common, and it is not limited to the home country. The level of overseas consumption has always been high. It’s easy to spend money overseas with a credit card, but what do you do when you have to pay it back? Many friends ask, how to repay the US dollar bill on a credit card? Here are the answers for you.

In fact, how to repay a credit card US dollar account mainly depends on the settlement method of consumption. There are two main types, one is to settle all in RMB bills, and the other is to settle RMB and US dollar accounts separately.

RMB settlement

When consumption is made, everything is recorded at the exchange rate at the time of consumption, and this is true regardless of the channel through which the card is swiped. Foreign currency exchange fees are waived in this case, so the repayment is At that time, the bills were all owed in RMB, so you only need to repay them as normal credit card payments.

Separate settlement for US dollar accounts

If the UnionPay channel is settled in RMB and the foreign currency channel is settled in foreign currency, then when repaying the loan, you need to repay the RMB exchange purchase. The main reason for the repayment of the exchange purchase is There are two ways:

1. You can call the credit card customer service number on the back of the bank card, transfer to manual service, and ask to activate the RMB foreign exchange purchase function.

2. Log in to the bank card personal center to activate the foreign exchange purchase function, then deposit RMB to buy U.S. dollars, and then use it to repay the U.S. dollar debt.

That’s it for everyone on “How to pay off a credit card bill in US dollars”. In fact, the methods are relatively simple. The main thing to note is that if the US dollar account is settled separately, don't cause the repayment to be overdue due to your own negligence, otherwise you will be in big trouble.