First, if you hold a dual-currency credit card of the Postal Savings Bank, most transactions in Hong Kong can be completed through the UnionPay channel. When using the UnionPay channel to pay, the credit card will automatically convert Hong Kong dollars into RMB according to the DCC dynamic exchange rate. When repaying, the cardholder only needs to repay the corresponding RMB according to the bill, and the cardholder does not need to purchase foreign exchange for repayment.

Second, if the merchant uses VISA when swiping the card.

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JCB and other channels for settlement, then it is to charge Hong Kong dollars against US dollars. If the cardholder is bound to the agreed account for repayment, the agreed account will automatically purchase foreign exchange for repayment, and the cardholder only needs to ensure that the amount of the agreed savings account is sufficient and the card status is normal before the repayment date.

Third, if you use a US dollar account, there is no binding agreement for account repayment, and you can directly deposit it into the US dollar for repayment. Repayment of foreign exchange purchase does not need to be deposited in the US dollars in the corresponding RMB.