"It's true that the available amount will be increased, but if I don't continue to spend dollars, then the amount of dollars added to my credit card can't be automatically returned to my RMB consumption. In other words, I still have to pay back how much I spend in RMB, and the dollar can't be used there. "
-it's true. according to the contract, the cash back and tax refund of overseas transactions are not deducted from the bills generated by RMB credit card transactions. However, after the transaction of repaying RMB according to the amount, the available amount will definitely exceed the fixed amount (because the cash back and tax refund are increased to the available amount), then after that, it is equivalent to having an overpayment, and you can spend it by credit card at this time without special operation. For example: suppose a fixed amount of 5; This month, 1 USD was cashed back from overseas transactions, and 1 yuan RMB was spent by credit card in China. After the cash back part arrives, the available amount will change to 5-1+65=465. After the bill is issued, 1, RMB will be paid back, and the available quota will be increased to 5,65, so the extra 65 available quota can be used for domestic RMB transactions.
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Cash back and tax refund of credit cards are all converted according to the exchange rate and added to the available amount after they arrive at the account, so there is no need to convert them by themselves. You can use your credit card in China (RMB) without any handling fee. If you must make a customer-service-phone call to apply for remittance to your debit card, a .5% handling fee will be charged.