You can use your card or card number to handle cash repayment or transfer repayment at the business outlets of China Construction Bank all over the country. Whether in the same city or in different places, CCB outlets can accept it, and there is no handling fee.

-repayment by outlets can realize cash repayment of RMB arrears and cash repayment of USD arrears.

-Transfer repayment can transfer the funds from your debit card and quasi-credit card to your credit card account for repayment.

-RMB cash arrears repayment and transfer repayment can be handled at branches of the Bank, while USD cash arrears repayment must be handled at branches of the Bank with foreign currency business.

-When the repayment is made in convertible foreign exchange other than US dollars, the foreign exchange will be traded on its own, and then the repayment will be made in US dollars.

Agreed account repayment:

You can designate your personal bank settlement account opened in China Construction Bank as the repayment account, and China Construction Bank will automatically deduct the corresponding amount from the repayment account on the due repayment date. Before you apply for repayment of the agreed account, please call the local 95533 or 24-hour service hotline to find out whether the local CCB where you apply for the card has this service.

There are three ways to repay the agreed account:

(1) Agreed RMB account to repay RMB arrears:

The agreed account must be a 19-digit savings card or a 16-digit quasi-credit card account opened by you in the local China Construction Bank.

Application method: Select and fill in the field of "Authorization for repayment of agreed account" on the application form of Longka (dual currency) credit card, and this function can be activated;

Applicable to CCB outlets that have opened this service.

(2) It is agreed that the USD account will repay the USD arrears:

The agreed account must be a 19 foreign currency passbook account opened by you in the local CCB.

Application method: select and fill in the field of "repayment authorization of agreed account" on the application form to enable this function;

Applicable to CCB outlets that have opened this service.

(3) Agree to purchase foreign exchange from RMB account and return the arrears in US dollars;

The agreed account must be a 19-digit savings card or a 16-digit quasi-credit card account opened by you in the local China Construction Bank.

Application method:

If you have already handled an agreed repayment account in RMB and intend to use this account to purchase foreign exchange for repayment at the same time, just call the 24-hour service hotline to apply;

If you haven't handled the agreed repayment account in RMB, please go to the CCB outlet that opened this service.

The exchange rate is based on the USD selling price of China Construction Bank on the settlement date.

Matters needing attention in repayment of agreed account:

Automatic repayment can only be made after the agreed account repayment takes effect. In order to avoid delaying repayment, you must call the 24-hour service hotline two days before the due repayment date to check whether the repayment of your agreed account is effective through self-service voice. If it has not yet taken effect, it is still necessary to actively return the current account to the outlet.

Please deposit the repayment amount in full into the agreed repayment account before the due repayment date (please deposit at least 5 yuan RMB to ensure the successful deduction). If the balance is insufficient and no deduction is made, resulting in unsuccessful repayment, you shall bear the corresponding interest expenses.

When signing the contract, you need to specify a US dollar account or a RMB account (whichever is the case) to realize the function of repaying the US dollar debt from the agreed account.

If you decide to use RMB to purchase foreign exchange for overseas transactions, please deposit the full amount of RMB (RMB amount = USD account balance * exchange rate) into your Longka credit card account after the bill date and before the due repayment date, and call the 24-hour service hotline to apply for foreign exchange purchase on the day of deposit.

Telephone foreign exchange repayment

The repayment of foreign exchange by telephone can only be used to repay the dollar arrears of credit cards by purchasing foreign exchange in RMB. You must complete the deposit repayment and the application for purchasing foreign exchange by telephone within the same day. The exchange rate is based on the selling price in US dollars at the time of purchasing foreign exchange. If necessary, you can call our 24-hour service hotline for enquiry. If your credit card RMB account overpayment is insufficient on the day of purchase, you can also repay the purchase with your available amount, and pay interest from the date of purchase.

ATM transfer repayment

You can transfer RMB funds from your savings card or quasi-credit card to your credit card account through ATM to repay RMB arrears of your credit card.

Note: At present, Shanxi and Tibet have not been opened.

The repayment process is as follows:

Online repayment

You can use CCB debit card and quasi-credit card account of online banking to repay the debt of Longka credit card account.

Note: At present, with the exception of four branches in Hainan, Tibet, Gansu and Qinghai, all other 34 branches have opened the credit card online transfer function.

The repayment process is as follows:

If you don't have an agreed repayment account for foreign exchange purchase, you can also make repayment for foreign exchange purchase in RMB through online banking of China Construction Bank.

You can use the overpayment or quota of RMB account of credit card to purchase foreign exchange and repay the arrears of your USD account;

If you use the quota to purchase foreign exchange, CCB will charge corresponding interest on the part you use from now on;

Repayment of foreign exchange purchase on the same day (including telephone purchase and online purchase) can be cancelled by "Cancel Repayment of Foreign Exchange Purchase".

The exchange rate is based on the time of purchasing foreign exchange online and the selling price of CCB in US dollars.