First, at present, ABC does not have a dual-currency credit card with RMB won, so there will be no situation in which ABC's credit card owes money in won.

The second is to hold a single-currency card with the beginning of 62, and it will be dynamically converted into RMB. The cardholder only needs to return the corresponding RMB according to the arrears shown in the bill.

Third, if you hold a USD/RMB dual-currency credit card and you use a USD account to pay, then the won will be recorded in USD. After the bill is issued, the US dollar will be exchanged back to the US dollar. If there is no US dollar, it can be repaid by purchasing foreign exchange in RMB.

Fourth, if the credit card has overpayment in US dollars due to consumer return or tax refund, you can call customer service to apply for transferring the overpayment in US dollars to RMB account.