If the outstanding bill hasn't come out when the bank refunds, there is no need to repay it.

If the unpaid bill comes out, it needs to be paid first, and then ten yuan becomes overpaid and can be consumed. If you change it into dollars, there will be a 2.5% handling fee, at least one yuan, which will be given to you according to the cash purchase price of the bank.

Anyway, look at the bill for this issue. If you have ten dollars, pay it back first. If not, don't worry.