The dollar portion of a credit card can be used for the following purposes:

1. When going abroad, you can swipe your card and use the US dollar account in your credit card.

2. Overseas websites support the use of US dollar transaction payment websites.

In addition, there is no way to overdraw the US dollar account balance in the credit card in China for the time being.

Generally speaking, the dollar account on the credit card cannot be taken out, but can only be used. You can go to websites or stores that use dollars. It is not cost-effective to withdraw money from abroad, and the handling fee is very high. We know that when you use an international credit card for spending abroad, you can make transactions through different channels, such as UnionPay, Visa, MasterCard, American Express, JCB and so on.

When the UnionPay line is selected, all foreign currency transactions will be converted into RMB according to the real-time exchange rate and included in the RMB account of the international card. For example, after spending HK$ 1 ,000 through UnionPay in Hong Kong, the cardholder will receive a prompt message of "spending RMB 88 1.69 yuan", indicating that the consumption has been directly converted and credited to the RMB account. In this way, the repayment method is naturally completely consistent with the general RMB consumption. And unionpay doesn't charge any fees. If you choose other routes, the consumption amount will be accounted into a foreign currency account, and you may face foreign exchange handling fees.

For example, RMB-USD dual-currency cards are consumed in Europe through non-UnionPay channels, and international organizations will convert the consumption amount of euros into US dollars and record it in the US dollar account of dual-currency cards. There must be a currency conversion process. Visa, Master, Express, JCB and other corresponding international organizations will charge a certain handling fee, which is generally around 1.5%. Cardholders need to repay their US dollar accounts after returning to China.

When the credit card foreign currency account has debts, repayment is not so easy. Perhaps the first thing you think of is the repayment of debit card related accounts. Yes, this is a good idea, but not all related accounts can automatically repay the foreign currency arrears of credit cards.

Generally speaking, when the debit card is bound to automatic repayment, the cardholder needs to choose whether the debit card account is associated with the credit card foreign currency account. If there is no choice, the debit card account will only repay the arrears of the credit card RMB account, and the arrears of the foreign currency account will be returned only after the automatic repayment function of the foreign currency account is set.

The repayment method of China Merchants Bank is quite special. Cardholders can choose to open a foreign currency account, and automatically repay the foreign currency account of the credit card after going through the relevant formalities, that is, "foreign currency is returned to foreign currency". Cardholders can also choose to open the "RMB to foreign currency" function of one-card card. On the final repayment date, RMB deposits in the one-card account will be repaid automatically by purchasing foreign exchange at the quoted price, and foreign currency arrears will be paid first.

Here, there is a question to be reminded. If the cardholder opens the above two functions at the same time, the automatic purchase of foreign exchange will be given priority, that is, "RMB to foreign currency". In other words, when the RMB deposit in the card is enough to repay the foreign currency arrears of the credit card, the funds in the foreign currency account of the card are useless. At the same time, because the deposit is used to repay the foreign currency arrears, the RMB arrears may not be fully repaid. Therefore, only one of the two functions is recommended. When handling relevant formalities, the cardholders of Shanghai Pudong Development International Card can also choose RMB automatic repayment, RMB automatic purchase of foreign exchange repayment, and foreign currency linked account automatic repayment, but unlike China Merchants Bank, RMB arrears are repaid first.

Baidu Encyclopedia "Credit Card"

How to transfer the dollars in the credit card to the bank card?

Transfer the dollars in the credit card to the bank card:

1. Bind the associated bank account on paypal: select the associated card or bank account-select the associated bank account: fill in the bank name, branch address, account number (bank) and SWIFT code (call the bank to inquire, and the staff will send a text message to the mobile phone). After completing the form, click on the account related to you.

2. Associated bank account, where the user transfers foreign exchange into the personal bank card USD account.

3. Transfer money to your bank account in PAYPAL: Click the Transfer button below the balance-select to withdraw cash from your bank account, and then follow the prompts. After the withdrawal is completed, you will receive a phone call from the bank staff within three working days, telling them to go to the mobile banking APP to fill in the specific customer information collection. PAYPAL will deduct the transfer operation fee of $35.

4. Log in to the online banking or mobile banking APP, and you can find the US dollars you hold on the foreign exchange page of wealth management. You can directly convert US dollars into RMB by selecting settlement, and automatically transfer it to RMB account balance.

Where can I withdraw US dollars from the Bank of Communications credit card?

If the Bank of Communications credit card is a dual-currency card, you can withdraw US dollars, and you need to go to the bank counter to mark foreign currency. However, withdrawing US dollars is also equivalent to withdrawing cash, which requires a certain handling fee.

Dual-currency card is a kind of bank card that only appeared in China in recent years. With the continuous development of China's economy and the continuous improvement of people's living standards, traveling and shopping abroad has become a very common thing, thus forming a wide demand for bank cards settled in foreign currency. Therefore, many domestic banks have successively cooperated with international bank card organizations such as VISA and MasterCard to launch bank cards with RMB and USD settlement functions. In China, RMB settlement can be realized through UnionPay. After going abroad, you can spend and withdraw cash at ATMs of merchants and banks that support Visa or MasterCard, and settle in US dollars.

So much for the introduction of how to get US dollars by traffic credit card.