Many card friends will choose to travel abroad during the holidays, and it is inevitable that they will use Guangfa Credit Card to spend money during the trip, but they will face a repayment problem after spending. Because I am abroad, naturally I can't have many choices as I do at home. Then, after using Guangfa Credit Card in consumption abroad, how should I repay it?
According to the regulations of domestic banks, if a credit card is spent in foreign currency abroad, it must be converted into equivalent foreign currency after returning home to repay the loan. If you spend directly in RMB abroad, you only need to think that the arrears are domestic RMB and repay them directly.
However, whether it is spent in foreign currency or RMB, the quickest way to repay is through online channels. The specific repayment method is as follows:
1, online banking/mobile banking:
This repayment method not only supports RMB repayment, but also supports US dollar repayment, and the arrival time varies according to different repayment methods:
1 If the repayment is made by Guangfa Debit Card, the repayment will be made before 22 o'clock, and it will be received on the same day; Arrive the next day after 22 o'clock;
2 In case of inter-bank repayment by UnionPay, the repayment will be received before 22: 00 the next day, and the acceptance will be suspended from 22: 00 to 24: 00.
2.GDB card WeChat service number:
This repayment method not only supports RMB repayment, but also supports US dollar repayment, and the arrival time varies according to different repayment methods:
1 If the repayment is made by Guangfa Debit Card, the repayment will be made before 22 o'clock, and it will be received on the same day; Arrive the next day after 22 o'clock;
2 In case of inter-bank repayment by UnionPay, the repayment will be received before 22: 00 the next day, and the acceptance will be suspended from 22: 00 to 24: 00.
3. Alipay:
Alipay only supports RMB repayment. If it is before 2 1, it will arrive the same day, otherwise it will arrive the next day.
4. WeChat wallet:
WeChat wallet only supports RMB repayment, and the repayment time is 14, and the repayment is made before 14, and it will arrive on the same day; /kloc-Repay after 0/4 o'clock, and receive the account the next day.
5. UnionPay Online:
UnionPay Online only supports RMB repayment, and the repayment will be made before 23 o'clock, and it will arrive in 1-3 working days.
Credit cards have a limit of US dollars and RMB. How can I pay back the pounds if I swipe them with my credit card?
Credit cards can be repaid directly in RMB if they are swiped in pounds. But the premise is that the cardholder has opened the remittance function. After opening, the bank will automatically convert it into RMB according to the exchange rate of the day, and the credit card holder will repay it according to the converted RMB.
Steps to open RMB repurchase to repay the arrears of pounds:
1. Call the bank phone 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 function of purchasing foreign exchange.
CreditCard (English: credit card), also known as credit card. It is a non-cash transaction payment method and a simple credit service.
Credit card is generally a special carrier plastic card with consumer credit, which is 85.60mm long, 53.98mm wide and 1mm thick. It is issued by banks to individuals and units, so that they can shop, spend and deposit and withdraw cash from banks. The form is a card with the name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature on the back.
Credit cards are issued to cardholders by banks or credit card companies according to the credit and financial resources of users. Cardholders don't need to pay cash when using credit cards, they will make repayment on the bill date.
How can I repay my credit card in foreign currency?
Credit cards can directly use RMB to repay dollar arrears. It is necessary to open the function of purchasing foreign exchange first to return RMB directly to US dollars. After opening, you can choose full repayment or minimum repayment.
Steps to open RMB repurchase to repay US dollar arrears:
1. Call the bank phone 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 function of purchasing foreign exchange.
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There are several ways to return foreign currency by credit card, please adopt them.
1. You can also open the function of "automatic purchase of foreign exchange on account day" through online banking. From the next billing date after the opening, the dollar arrears will be automatically converted into RMB arrears on the billing date.
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 for foreign exchange purchase repayment function".
3. Sign an automatic repayment agreement and choose to entrust the bank to purchase foreign exchange for automatic repayment. 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. Self-service repayment agreement has been signed. After signing the contract, you can use telephone banking and online banking to repay the dollar arrears.