If you have a credit card debt, you need to repay it on the repayment date, whether in local currency or foreign currency. But everyone knows that repayment in local currency can be done directly in RMB. How to repay foreign currency arrears? Let’s take a look at the Agricultural Bank of China as an example.

How to repay the foreign currency repayment of the Agricultural Bank of China credit card?

You can repay it directly in RMB. The Agricultural Bank of China dual-currency credit card has the automatic foreign exchange purchase function enabled by default. Cardholders can directly deposit the full amount of RMB into the credit card. The Agricultural Bank of China will deduct the amount of RMB owed based on the spot exchange selling price when the system clears the deposit on the day of deposit. payment.

In addition, if the cardholder uses the agreed repayment function, the deduction time is the repayment date of the credit card. Therefore, the total amount of RMB arrears in local and foreign currencies will be deducted based on the spot exchange selling price at the time of system liquidation on the cardholder's credit card repayment due date.

What should I do if my credit card’s foreign currency limit is not enough and I want to restore it immediately?

You can deposit RMB into your credit card, and then call the Agricultural Bank of China’s credit card customer service hotline 4006695599 to apply for manual foreign exchange purchase of the excess RMB deposit. The foreign currency quota can be restored after the foreign exchange purchase is successful.

It should be noted that the amount of foreign exchange purchased shall not be greater than the total amount owed in the current foreign currency account, but the exchange rate fluctuates, so it is recommended that cardholders repay more RMB appropriately. Of course, if the cardholder has foreign currency cash or cash, he can also make repayment through ABC branches that carry out foreign exchange business.