Repayment rate of foreign exchange purchased by credit card:
The exchange rate used when you buy foreign exchange by credit card is our cash selling price. You can check the exchange rate when purchasing foreign exchange for repayment through our online banking, mobile banking, colorful life, credit card WeChat, electronic bill, SMS bill and other channels, as follows: transaction description+exchange rate: exchange rate value.
The above contents are for your reference. Please refer to the actual business regulations.
If you have any questions, please contact online customer service of Bank of China.
You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GOAPP to handle related business.
How to calculate the unrecorded exchange rate of credit cards
The exchange rate of credit card swiping is an integer multiple of 6 digits that must be entered for overseas pos swiping. For example, if you spend 1 1,000 yuan overseas, but the number of times can be paid by Meituan and credited to my credit card account, then you can enjoy the highest exchange rate of 1 1,000,000 yuan. If you can shop and spend in China within the agreed time period, you need to propose a temporary quota to our customer service one day in advance, and we will calculate whether you can open the dual-currency function of overseas credit card spending according to your actual situation. At the same time, in view of the need to charge a certain transaction fee for the exchange rate of overseas card swiping, it is recommended that you do not enter this consumption at one time and pay interest when using the card overseas.
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The exchange rate of credit card is a "one-time calculation" method of your consumption, that is, after the bill date, according to the repayment date of each period, according to the total amount of each statement. If the minimum repayment amount is selected, interest will be charged on the transaction part according to the total cost of your credit card consumption.
How is the exchange rate calculated when UnionPay credit cards are swiped overseas? Is it related to the bank? For example, will BOC and ICBC be different?
UnionPay cards are in consumption abroad, and merchants with UnionPay logo can use them. It is settled in RMB, and the exchange rate is the real-time exchange rate of UnionPay on the trading day. Consumption abroad, a non-UnionPay card, can use the logos of international organizations such as VISA, MasterCard and JCB, and settle in US dollars or Japanese yen. The exchange rate is the exchange rate announced by international organizations on the transaction entry date.
The above contents are for your reference. Please refer to the actual business regulations.
If you have any questions, please contact online customer service of Bank of China.
You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GOAPP to handle related business.
This is the end of the introduction of credit card exchange rate and how to treat it. I wonder if you found the information you need from it?