Use RMB to repay US dollar bills (foreign exchange purchase and repayment):

After the credit card has successfully set up the "automatic foreign exchange purchase and repayment" function, your US dollar bills can be repaid in RMB. RMB funds deposited into the credit card will be given priority to purchase foreign exchange to repay U.S. dollar bills (there is no fee required to set up foreign exchange purchase and repayment). The exchange rate for foreign exchange purchase shall be based on the exchange rate published by our bank at 10 a.m. on the day of repayment at the US dollar selling price. For the amount of foreign exchange purchased, you can choose to purchase foreign exchange in full or with the minimum repayment amount (if you choose to purchase foreign exchange with the minimum amount, full interest will accrue because the bill is not paid off). Warm reminder: RMB consumption cannot be repaid in US dollars.

1. After the foreign exchange purchase function is successfully set up, the RMB funds you deposit into your credit card will be given priority to purchase foreign exchange to repay the US dollar bill. 2. According to foreign exchange management regulations, the amount of foreign exchange purchased cannot be higher than the current US dollar bill amount, and the unbilled portion cannot be purchased for repayment.

3.

If you set up the foreign exchange repayment function and the "automatic repayment" of the US dollar account at the same time, your RMB repayment will give priority to purchasing foreign exchange to repay the US dollar bill. The difference between the self-deduction amount (full amount or minimum) set on your US dollar bill for the current period and the agreed foreign exchange purchase amount will be deducted from your designated US dollar automatic repayment account.

USD transfer repayment:

USD bills can be repaid through the following channels, but only transfers from US dollar cash accounts are accepted, and relevant regulations of the State Administration of Foreign Exchange must be complied with.

1. Log in to the public/professional version of online banking and enter the debit card interface to transfer and repay. Please log in to online banking

2. Dial the 95555 service hotline and press 1 to enter the self-service voice service. After verifying the card number and password, press 1 to enter the account inquiry and transfer, and then press 3 to enter the self-service transfer. 3.

If you already have a China Merchants Bank “All-in-One Card”, you can also repay your credit card account by transfer at the counter. No handling fees are required.