When you use a Visa credit card to pay in U.S. dollars, you don’t have to worry. In fact, you only need to repay in RMB. Visa is a universal payment tool. Whether you are making purchases at home or abroad, such as shopping at supported merchants, the dual-currency card issued by a domestic bank will automatically perform currency conversion and convert your U.S. dollar consumption into RMB for repayment. This process is usually completed through the bank's foreign exchange purchase service. You only need to ensure that there is enough RMB in your credit card, and the bank will convert it based on the exchange rate of the day. It is usually processed within the second working day.

Visa credit cards provide various types, such as regular card, gold card and platinum card. Each level of card provides users with different conveniences and benefits. The regular card is suitable for daily use and is widely accepted by merchants around the world; the gold card provides higher credit limits and additional services for customers with good reputation and long-term support for Visa; while the platinum card provides higher credit limits and travel Premium perks such as concierge services, insurance and exclusive offers. No matter which Visa card you use, the process of repaying in RMB after paying in US dollars is the same.