Nowadays, with the development of economy and the great improvement of consumption power, the use of credit cards is becoming more and more common, and it is not limited to China, and the consumption level abroad has not been low. It's easy to spend money by credit card in foreign countries, but what should I do when I want to pay it back? Many friends ask, how to pay the dollar bill of the credit card? I will answer your questions here.

In fact, how to repay the credit card account in dollars mainly depends on the settlement method of consumption. There are two main ways, one is to settle all accounts in RMB, and the other is to settle accounts in RMB and USD respectively.

Rmb settlement

When you spend money, it's all recorded according to the exchange rate when you spend it in RMB, no matter what channel you swipe your card through. This card can be free of foreign currency exchange fees, so when you repay, the bills are all RMB arrears, so you can repay with a normal credit card.

Separate settlement of USD account

If the UnionPay channel is settled in RMB and the foreign currency channel is settled in foreign currency, then the remittance needs RMB when repaying. There are two main ways of remittance repayment:

1. You can call the customer service number of the credit card on the back of the bank card, transfer the manual service, and request to open the RMB foreign exchange purchase function.

2. Log in to the personal bank card center to open the function of purchasing foreign exchange, then deposit RMB to buy US dollars, and then use it to repay the US dollar arrears.

Let me introduce you to "How to pay the dollar bill of credit card". In fact, the methods are relatively simple. The main thing to note is that if it is settled separately in the US dollar account, don't delay the repayment because of your own negligence, otherwise you will be in big trouble.

How to repay Uniqlo Platinum Card of Bank of Communications in US dollars?

Previously, Bank of Communications issued Uniqlo Platinum Card. This credit card has a regular version and a kindle version, which issue UnionPay logo and MasterCard logo cards respectively. Cardholders who spend money abroad want to know how to repay the platinum card of Bank of Communications Uniqlo in US dollars. And learn more about it.

The MasterCard Edition of Uniqlo Platinum Card of Bank of Communications can use any foreign currency in the world, and enjoy the right to reduce the foreign currency exchange fee, which is directly recorded in US dollars. Then, after the overseas overdraft consumption is recorded, how can Bank of Communications repay the US dollar with Uniqlo Platinum Card? Introduce the following methods:

1. Signed an automatic repayment agreement with Bank of Communications and entrusted the bank to purchase foreign exchange for automatic repayment. The bank will automatically deduct the corresponding amount from the repayment card on the last repayment day of each month for the cardholder to repay the US dollar arrears.

2. Sign a self-service repayment agreement with Bank of Communications. After signing the contract, you can use telephone banking and online banking to repay the dollar debt.

3. Enable the function of "automatic purchase of foreign exchange on bookkeeping day" through online banking. From the next billing date after opening, the cardholder's USD debt will be automatically converted into RMB debt on the billing date and can be repaid in RMB.

4. If there is RMB overpayment in the card, you can repay the arrears of the USD account in the card through the online banking "RMB overpayment for foreign exchange purchase repayment function".

How do I return US dollars to my credit card account?

Take your ID card to the counter, and RMB can be handled directly. When foreign currency consumption has generated US dollar bills, you can choose to enable the function of "purchasing foreign exchange with US dollar bills for repayment".

After opening, your RMB repayment will be automatically converted into US dollars, and your US dollar bill will be repaid first (the exchange rate is the exchange rate on the day you pay), and the repayment after the US dollar bill is paid off will continue to repay your RMB bill.

The credit card of China Merchants Bank will be repaid in US dollars. There are three ways for reference:

1. All-in-one cards and credit cards go to the counter to open the self-service transfer function. All-in-one-card purchases foreign exchange directly in US dollars, and online banking directly repays it manually.

2. If it is inconvenient to go to the counter, a credit card will be opened, and the credit card will be automatically debited after purchasing US dollars.

3. The credit card has the function of purchasing foreign exchange, and the one-card card is also RMB.

Extended data:

Matters needing attention in RMB-USD bill:

1. If the foreign currency transaction is not USD, it will be converted into USD by the international credit card organization and recorded in the USD bill. (In the above process, international organizations such as VISA and MasterCard will charge 1.5% foreign exchange handling fee. )

2. The amount of foreign exchange purchased in the current period cannot exceed the amount of the current US dollar bill, and the exchange rate for foreign exchange purchase is the US dollar selling price of China Merchants Bank announced on the repayment date 10.

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

4. After the automatic purchase of foreign exchange is set up successfully, if the cardholder fails to pay off the US dollar bill on the due repayment date, and if there is RMB overpayment in your credit card, our bank will automatically deduct the corresponding amount from your RMB overpayment to purchase foreign exchange to repay your US dollar bill.