I have a US dollar credit limit in my credit card, how do I use it?

If it is a dual-currency credit card, the US dollar and RMB credit limits are exclusive. When swiping a card domestically, if the RMB limit is used up, there will be no US dollar limit available. If you want to use the US dollar limit, you can use it through overseas shopping, or find a domestic merchant that accepts VISA or MasterCard.

How to use U.S. dollars with China Merchants Bank credit card?

It depends on how you use it. It can be used on overseas websites. If you swipe your card in an overseas mall, there are two basic card swiping lines, UnionPay line and international line. (VISA, MASTERCARD, JCB or American Express, etc.). When the card is swiped on UnionPay lines, the payment will be settled directly in RMB; when the card is swiped on international lines, the payment will be settled in US dollars. Since overseas consumption by credit card will be settled in U.S. dollars, if the consumption amount is non-U.S. dollars, there will be an exchange fee between the two currencies, which is 1.5% of the transaction amount. The exchange fee is collected by our bank on behalf of international organizations. If the consumption amount is in US dollars, there will be no foreign exchange settlement fee. (If you use a full-currency credit card, you can spend any foreign currency in the world with 0 currency exchange fees. The function of purchasing foreign exchange will be automatically activated. Foreign currency consumption can be repaid in RMB.)

How to use the credit card’s US dollar limit

For credit cards with the VISA, MASTERCARD, JCB or American Express logo on the card, purchases made overseas through international lines will be settled in U.S. dollars, and a U.S. dollar bill will be generated.

Repayment can be made in U.S. dollars or in RMB. Take the CCB as an example:

1. CCB counter repayment: You can use cash at the CCB counter. Repayment can also be made by transfer;

2. Repayment by agreed account: that is, automatic repayment. Credit card repayments in RMB can be repaid from an agreed account in RMB, and credit card repayments in U.S. dollars can be repaid in U.S. dollars. Account repayment or foreign exchange purchase and repayment in the RMB agreed account;

3. Telephone purchase of foreign exchange and repayment: refers to repayment by calling the customer service hotline with the RMB deposit deposited in the Long Card credit card or the available limit to purchase foreign exchange. Your repayment amount in U.S. dollars;

4. ATM transfer repayment: You can transfer funds from your debit card or quasi-credit card to your credit card account through an ATM (branch) for repayment;

5. Online repayment: You can use the CCB debit card or quasi-credit card account signed with online banking to repay the Dragon Card credit card account.

How to use US dollars with Bank of China credit card? Can I withdraw cash?

According to the regulations of the State Administration of Foreign Exchange, cardholders are not allowed to overdraft and withdraw foreign currency cash in the country. You can use the U.S. dollar amount within the credit limit through corresponding overseas VISA, MasterCard and other channels; such as your credit card If you have extra US dollars, you can withdraw them for free at the Bank of China counter.

The above content is for your reference, please refer to actual business regulations.

How to use the US dollar limit of Everbright Credit Card?

The US dollar limit of Everbright Credit Card can be used for consumption through overseas POS machines (such as Visa, Master, etc.) or overseas websites that match the card logo. Credit card’s foreign currency limit.

RMB accounts and US dollar accounts have the same quota, but they need to be repaid separately. Don’t forget to repay the balance in your US dollar account after you return home.

The JCB Qianhui Lucky Cat Platinum Credit Card must be used through Everbright Bank’s self-service equipment or other banks’ self-service equipment marked with the JCB logo. Self-service equipment without the JCB logo from other banks cannot operate withdrawals, deposits, inquiries and other services.

How to use U.S. dollars with Bank of Communications credit card? Can I withdraw cash?

First, if you hold a Bank of Communications dual-currency credit card with a US dollar account, you can use the US dollar account limit when paying on overseas overseas shopping websites; you can also choose VISA or VISA when paying overseas. MasterCard channel uses the limit of the US dollar account. In addition, dual-currency credit cards can also withdraw cash overseas.

Second, when withdrawing cash from an ATM with the VISA or MasterCard logo, the withdrawal is in the local currency and is recorded in US dollars. 1% of the transaction amount is charged, with a minimum of US$5 per transaction. For overseas cash withdrawals through UnionPay, the fee is 1% of the transaction amount plus RMB 12, with a minimum of RMB 15.

Third, Bank of Communications credit card overdraft withdrawals do not enjoy the interest-free period. Interest will be charged at 0.5% of the cash withdrawal amount every day until the day before it is repaid, and compound interest will be charged monthly.

Fourth, repayment can be made through the automatic purchase of foreign exchange through the bound agreed account, or US dollar cash can be directly deposited into a credit card. If there are no above two repayment methods, you can deposit the corresponding RMB for foreign exchange purchase and remittance.

This ends the introduction on how to use the credit card dollar limit and how to use the credit card dollar limit. I wonder if you found the information you need?