Yes, if it's not an international card, you can deposit RMB first, and then purchase foreign exchange by phone for repayment. If it's an international card, you can go to the card department to get a monthly statement and a notice of purchase of foreign exchange, and you don't need to enter the SAFE system to purchase foreign exchange at the counter.

Calculation method of RMB repayment for China bank credit card consumption in the United States:

With the advantages of nearly 76 branches and overseas services of Bank of China in 29 overseas countries and regions, China bank credit card can provide RMB settlement services for global transactions.

Any global transaction of a consumer's card can be directly converted into RMB.

1. 24-hour exchange rate conversion is recorded to avoid exchange rate loss for customers;

2. 1.5% currency exchange fee can also be waived for consumption in non-US dollar areas;

3. The monthly bill shows the consumption details in RMB; Repayment in RMB saves consumers the hassle of purchasing foreign exchange.

Credit card repayment in US dollars is mainly divided into telephone repayment and online repayment, but both of them have to apply for purchasing foreign exchange to repay US dollars. Generally speaking, except for transactions prohibited by national laws, US dollar bills generated in consumption abroad or by withdrawing foreign currency cash can be repaid by purchasing foreign exchange in RMB. Xiaobian takes China Construction Bank as an example to introduce how to purchase foreign exchange for repayment.

1. Telephone repayment of credit card in US dollars: dial and select the bank manual service to apply for foreign exchange purchase. You can choose to purchase foreign exchange in full, or choose the minimum repayment amount or any amount lower than the current bill amount.

2. Repayment by purchasing foreign exchange with credit card in US dollars online: log in to the online banking of China Construction Bank, select Credit Card-Credit Card Inquiry-Query Balance Information, click Next in Credit Card-Repayment by Purchasing Foreign Exchange to get the amount of purchasing foreign exchange in US dollars, the exchange rate and the amount converted into RMB (unconfirmed), deposit enough RMB in the repayment debit card, then click Repayment by Credit Card, transfer this amount to the RMB account of credit card, and continue to click Repayment by Purchasing Foreign Exchange, and proceed to the next step-confirmation.