how to repay the foreign currency arrears of credit cards?

At present, China Bank supports a variety of foreign currency repayment methods, such as telephone purchase of foreign exchange, automatic deduction, automatic purchase of foreign exchange, etc.

(1) If you have enabled the global single RMB settlement function, all the foreign currencies you consume will be recorded in RMB, so just repay RMB;

(2) if you have bound automatic repayment, you can choose to repay the foreign currency debt of your credit card with RMB in the associated account or with the corresponding foreign currency in the associated account;

(3) if you have enabled the automatic bill purchase function, you only need to ensure that there is enough RMB credit balance in the RMB account of the credit card to repay the foreign currency arrears on the due repayment date, and the system will automatically repay the foreign currency arrears with the RMB credit balance at the real-time exchange rate of that day;

(4) Bring the current bill and the original ID card to the counter to purchase foreign exchange for repayment;

(5) If there is RMB credit balance in the account, you can purchase foreign exchange for repayment through China Bank Mobile Banking, "China Bank Credit Card" WeChat WeChat official account, Colorful Life APP, online banking, customer service hotline and other channels.

the above contents are for your reference. please refer to the actual business regulations.

how can I repay my credit card after spending it abroad?

Nowadays, more and more people choose to use credit cards when traveling abroad for holidays and business trips, because after the opening of the clearing market, there will be more choices. All kinds of foreign currency and dual-currency cards have perfect functions, and many discounts are the first choice for foreign consumption. So how to repay foreign currency?

1. Foreign currency consumption is accounted for in RMB (no USD bill is issued)

After the function of "Foreign currency consumption is accounted for in RMB" is enabled, any foreign currency transaction of yours will be automatically converted into RMB account (the conversion exchange rate is the exchange rate on the accounting date of the transaction), and you only need to return RMB according to the RMB bill. Really realize "one card in hand, travel around the world"!

setting way: log in to credit card online banking, and click "repayment management" → "RMB automatic foreign exchange purchase" to open it.

1. The RMB entry function of foreign currency consumption will take effect immediately after it is activated. Your foreign currency consumption can be queried in the online banking-RMB Unbilled interface 2 working days after the transaction date.

2. Non-US dollar foreign currency transactions will be converted into US dollars by international credit card organizations first (foreign exchange fees will be charged by international organizations such as VISA and MasterCard in the above process). Our bank will convert the converted USD amount into RMB according to the exchange rate on the day of bookkeeping (the USD selling price of China Merchants Bank announced after 1: on that day) and record it in RMB bill.

2. Repaying bills in US dollars with RMB (repayment by purchasing foreign exchange from US dollar bills)

When your foreign currency consumption has generated US dollar bills, you can choose to enable the function of "repayment by purchasing foreign exchange from US dollar bills". 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 of your payment), and the repayment after the US dollar bill is paid off will continue to repay your RMB bill.

setting way: log in to credit card online banking, and click "repayment management" → "purchase foreign exchange for repayment". You can also check the "automatic purchase of foreign exchange" function on the application form when you apply for a card.

1。 If the foreign currency transaction is not US dollars, it will be converted into US dollars by the international credit card organization and recorded in the US dollar bill. (foreign exchange handling fees to be charged by international organizations such as VISA and MasterCard in the above process)

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 after 1: on the repayment day.

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

4。 After the automatic purchase of foreign exchange is set up successfully, when the cardholder fails to pay off the US dollar bill on the due repayment date, 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.

3. Paying bills in US dollars

1. Debit card payment in US dollars: The available repayment methods include online bank repayment, mobile phone repayment and telephone repayment.

2 USD cash repayment at business outlets: USD cash repayment can be made at all business outlets of the Bank (except Hong Kong). As long as you provide a credit card, anyone can repay your credit card (the payer must show his ID card).

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How can I repay my credit card with foreign currency?

Credit cards can directly use RMB to repay US dollar arrears. Direct repayment of US dollars with RMB requires opening the function of purchasing foreign exchange first. After opening it, you can choose to repay in full or with the minimum repayment amount.

Steps for opening RMB repurchase to repay US dollar arrears:

1. Call the bank phone number 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 foreign exchange purchase function.

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There are several ways to return foreign currency by credit card, which I hope to adopt.

1. You can also open the function of "automatic purchase of foreign exchange on the billing day" through online banking. From the next billing day after opening, the arrears in US dollars will be automatically converted into RMB arrears on the billing day.

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

3. Sign an automatic repayment agreement, and choose to entrust the bank to purchase foreign exchange for repayment automatically, and the bank will automatically deduct the corresponding amount from the repayment card on the last repayment day of each month to return the US dollar arrears.

4. A self-service repayment agreement has been signed. After signing, you can use telephone banking and online banking to repay the US dollar debt.