The financial planner of the Agricultural Bank of China said that if the cardholder uses a dual-currency card of RMB and USD and wants to repay in RMB, he must contact the customer service staff of the bank to purchase foreign exchange for repayment in time, otherwise these RMB will still lie in the account and will not be automatically converted into USD for repayment.
Spending in foreign currency abroad is also very particular about returning home. It doesn't mean that everything will be fine if you deposit RMB. If many banks don't have the function of automatic repayment of foreign exchange by credit card, cardholders must call or go to the bank counter to purchase foreign exchange for repayment, otherwise foreign currency bills will be in arrears all the time.
Most credit cards of many banks in Guangdong Province can provide the function of "automatic repayment of foreign exchange purchase". But basically, cardholders need to enable this function, otherwise they can only return it by telephone or by purchasing foreign exchange at the counter.
Bankers also reminded that the repayment of foreign exchange purchases is mostly converted into RMB deduction according to the foreign exchange selling price of the cardholder on the day of repayment. The dollar fluctuates every day, and cardholders can choose to repay when the dollar weakens during the repayment period, which can save more money.
Extended data:
Mr. Liu, a citizen of Guangzhou, recently encountered an annoyance. His online consumption in June was $65,438+0,000 yuan, and the consumption amount reminded by SMS was more than 7,000 yuan, which made him mistakenly think that he could automatically repay by depositing RMB in his credit card. Who knows, things are far from simple. The money failed to purchase foreign exchange for repayment in time, resulting in a late payment fee of six or seven hundred yuan.
People's Network-Is the credit card paid in US dollars or RMB? ? Not just saving money.
Phoenix. Com- how to repay foreign currency consumption