How to pay the dollar bill:
US dollar bills generated in consumption abroad or by withdrawing foreign currency cash can be repaid by purchasing foreign exchange in RMB. You can choose to purchase foreign exchange in full or with the minimum repayment amount. According to foreign exchange management regulations, the amount of foreign exchange purchased cannot be higher than the amount of cash. The function of purchasing foreign exchange can be applied through online banking or calling the customer service hotline:
1. Online Banking: Please log in to the credit card website/,click "Online Banking Login" on the right and enter your ID number, inquiry password and additional code. After logging in to online banking, you can open the function in Repayment Management-Repayment Settings for Purchase of Foreign Exchange;
2. Customer service hotline: Please call the customer service hotline 4008205555, enter your ID number or card number and inquiry password according to the voice prompt, and then select "9" to transfer the service specialist to set up the foreign exchange purchase function for you. Warm reminder:
1. Once the foreign exchange purchase function is permanently set, it can be modified through online banking or calling the customer service hotline.
2. After the foreign exchange purchase function is successfully set, the RMB money you deposited will be used to repay the overdue part of your minimum repayment amount, and then you can purchase foreign exchange according to the foreign exchange purchase amount you set to repay the US dollar bill, and then repay the RMB bill;
3. Due to the daily fluctuation of exchange rate, our current exchange rate for purchasing foreign exchange is based on the exchange rate announced at 10: 00 am on the repayment date.
4. The setting of the repayment amount of foreign exchange purchase in this period is only valid in this period, and the bill in the next period will be restored to your original setting; 5. If you choose to overpay for foreign exchange purchase, your overpaid RMB will be used to purchase foreign exchange to repay the US dollar bill within 2 working days.
Overseas cash withdrawal:
The handling fee for overseas (including Hong Kong, Macao and Taiwan) cash advance is calculated at 3% of each cash advance, and the minimum fee is RMB or USD 3 for each cash advance. Interest: advance cash transactions do not enjoy interest-free repayment. From the trading day, interest will be charged at the daily rate of 0.5 ‰ until the settlement date, and the interest will be compounded monthly. Compound interest, that is, the interest generated last month, should also be recalculated. The cash advance limit is set according to your card usage, which is included in the credit limit of the credit card. Under normal circumstances, the cumulative withdrawal amount does not exceed 50% of your credit limit. For details, please call the credit card 24-hour customer service hotline. In addition, according to the relevant regulations of the People's Bank of China, the daily limit for withdrawing cash from our credit cards (except those with special provisions, such as most financial and commercial cards) through UnionPay line is RMB 2,000 or equivalent in foreign currency. The daily cash withdrawal amount of each household through non-UnionPay lines abroad shall not exceed the equivalent of 1 ,000 USD, within 1 month, the equivalent of 1 ,000 USD, and within 6 months.
The cash withdrawal transaction is compounded monthly, that is, the interest generated last month should be recalculated. For example, you withdrew 1 1,000 yuan last month, with handling fee 10 yuan and interest 15 yuan. If you repay RMB 65,438+0,025, the interest will be calculated with RMB 65,438+05 as the principal next month until it is paid off. Interest (compound interest) shall also be calculated for the interest generated from the withdrawal of cash by our bank. Generally, when you withdraw cash, you will pay interest in three installments, the first installment: from the date you withdraw cash to the repayment date, and the third installment: compound interest. Please refer to the amount on each bill for specific interest.