Hello, repayment cannot be made directly in Hong Kong dollars. Because our bank's credit card is a dual-currency credit card of US dollars and RMB, US dollar bills incurred when spending overseas or withdrawing cash in foreign currency can be repaid by purchasing foreign exchange in RMB. For the amount of foreign exchange purchased, you can choose to purchase foreign exchange in full or with the minimum repayment amount. According to foreign exchange management regulations, the amount of foreign exchange purchased cannot be higher than the current US dollar bill amount. The foreign exchange purchase function can be applied for through online banking or calling the customer service hotline:

1. Online banking: Please log in to the credit card website/, click "Online Banking Login" on the right and enter your ID number, query password and additional information. After logging into online banking with the code, activate the function in "Repayment Management" - "Foreign Exchange Purchase and Repayment Settings";

2. Customer service hotline: Please call the customer service hotline 4008205555 and enter your identity according to the voice prompts Please provide your certificate number or card number and query password, and then select "9" to transfer the service specialist to set up the foreign exchange purchase function for you.

Warm reminder:

1. Once the foreign exchange purchase function is set to be permanently effective, it can be modified later through online banking or calling the customer service hotline;

2. The foreign exchange purchase function After the setting is successful, the RMB funds you deposit will first be used to repay the overdue part of your minimum repayment, and then purchase foreign exchange to repay the U.S. dollar bill according to the foreign exchange purchase amount you set, and then repay the RMB bill;

3. Since the exchange rate fluctuates daily, our bank’s current exchange rate for foreign exchange purchase and repayment shall be based on the exchange rate announced by our bank at 10 a.m. on the day of repayment at the selling price of US dollar banknotes;

4. The setting of the repayment amount for the period purchase of foreign exchange is only valid for the current period, and will be restored to your original setting for the next period of billing; 5. If you choose to purchase foreign exchange with overpayment, your RMB overpayment will be used within 2 working days. Purchase foreign exchange to pay off U.S. dollar bills.

If you still have questions, you can add QQ customer service 4008205555 or add the WeChat public account "China Merchants Bank Credit Card Center" for detailed consultation.