After spending money with ICBC credit card abroad, the transaction of UnionPay channel will be charged to RMB account, please repay RMB; Foreign currency accounts traded through non-UnionPay channels can be returned to the corresponding foreign currency or purchased for repayment.
ICBC provides customers with various repayment methods. You can choose any of the following repayment methods according to your personal situation:
RMB repayment method:
1. Sign for automatic repayment;
2. Deposit cash or transfer money through ICBC outlets or self-service equipment (except debit cards and credit cards);
3. Registered customers of telephone, online banking and mobile banking can handle repayment or transfer repayment through corresponding online self-service channels;
4. Remittance through other banks;
5. Some units repay credit cards through financial POS machines in the form of financial reimbursement.
Foreign currency repayment method:
1. Sign automatic repayment (including repayment by purchasing foreign exchange);
2. Registered customers of online banking and mobile banking can handle foreign currency repayment or purchase foreign exchange repayment through corresponding online self-service channels;
3. Call ICBC customer service hotline 95588 to handle foreign exchange repayment manually. You need to use the RMB account with the same card to purchase foreign exchange to repay the foreign currency arrears with the same card;
4. I or my immediate family members transfer or deposit money at the designated business outlets of Industrial and Commercial Bank of China.
(Answer time: 2065438+August 27th, 2009. In case of business changes, please refer to the actual situation. )
Bank of China, Hong Kong Credit Card Repayment Date
The repayment date of BOC Hong Kong Credit Card is 20 days after the bill date. The repayment date of China Bank's credit card is calculated according to the billing date, that is, 20 days after the billing date. If the monthly bookkeeping date is 10, the monthly repayment date is 30th.
You don't need a guarantor, deposit or cash deposit to apply for a credit card of China Bank. You only need to fill in the application form for credit card of China Bank, and attach copies of identification documents, permanent residence documents and proof of financial resources, then you can apply for a credit card from China Bank.
Integral accumulation
Cardholders can accumulate points by swiping their cards in hotels, restaurants, entertainment, department stores and other retail stores with China Bank Credit Card. When ordering goods through China Bank Credit Card Center and paying in installments, they can get 1 points or 8 points for every consumption or withdrawal of 1 yuan or 1 USD with China Bank Credit Card.
However, the following items are not included in the calculation of annual fees, late fees, installment fees and other expenses, cash withdrawal and repayment of credit cards, related expenses of withholding, real estate, automobiles, wholesale, hospitals, schools, charity and social services.
I used my credit card to spend Hong Kong dollars. How can I repay you? Is it worth it?
Credit cards can directly repay the arrears of Hong Kong dollars in RMB. Direct repayment of Hong Kong dollars in RMB requires the opening of foreign exchange purchase function. After opening, you can choose full repayment or minimum repayment.
Steps to open RMB repurchase to repay Hong Kong 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.
After returning to China, you need to exchange the Hong Kong dollar exchange rate again to purchase foreign exchange for repayment. The time for purchasing foreign exchange for repayment is very particular, with Visa and MasterCard beginning with "5". There are two kinds of credit cards issued in China: single currency and dual currency. However, it should be noted that cardholders will purchase foreign exchange for repayment after returning home. However, in the case of RMB depreciation, that is, using foreign card channels such as UnionPay card, Visa or MasterCard may be affected by short-term exchange rate fluctuations. If the settlement and billing are carried out according to its rules and the UnionPay channel is used, this link will generate additional fees-"currency conversion fee", that is, the handling fee charged when converting non-Hong Kong dollars into Hong Kong dollars, and only RMB needs to be directly returned to China.
It is suggested that overseas credit cards take the UnionPay channel as far as possible.
If you can take the UnionPay channel, try to take the UnionPay channel. For cardholders, the exchange rate for traveling to Hong Kong is not necessarily the day of shopping. The fee is charged by the international card organization to the issuing bank, and the maximum fee of Shanghai Pudong Development Bank is 2%. The larger the credit card limit, the more 75% of it is carried by dual-currency cards, and banks generally convert it according to the foreign exchange rate on the entry date. So it depends on the billing time of different businesses, but usually the issuing bank will pass this fee on to the cardholder.
Paying attention to the exchange rate and choosing the repayment date can save money. In addition to the currency conversion fee, you can repay directly in RMB. However, the expenses will not be listed separately in the bill, and a few have Hong Kong dollar bills, when they are consumed in dollar countries. Many cardholders think it will be more cost-effective to repay in advance or use UnionPay cards, and some banks are different. For example, the card issued by UnionPay can be settled through the UnionPay channel. In the process of RMB appreciation, it mainly depends on the change of RMB exchange rate. Money conversion fees alone can save a lot. Exchange rate is also a problem that cardholders need to pay attention to when spending by credit card, which means different exchange rate conversion and transaction fees. When spending by credit card, it is reported that this will cause "foreign exchange fee" or "currency conversion fee", so there is no such problem.
How to repay the credit card in Hong Kong?
Pay with AliPay. If not, go to the People's Bank and change it into Hong Kong dollars. Then go to the counter to deposit money. The haunted house was built earlier. Hope to adopt!
How can I repay my credit card in Hong Kong after returning home?
Common credit card repayment methods in China mainly include the following categories (according to the cost level):
1, intra-bank repayment
The repayment methods mainly include: issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. The credit card limit will be restored immediately after repayment, and the money will generally be recorded after being processed by the system on the same day.
2, mobile phone repayment
Mobile phone is a personal payment terminal of mobile financial system, which can be used for direct repayment and transfer by credit card. Arrive immediately!
3. Convenience store repayment
Convenience store repayment is mainly completed through the "Lacarra" smart payment terminal installed in the convenience store. Generally, it will arrive in 2~3 working days, and there is no handling fee for repayment in this way.
4. Online repayment
Common online repayment methods in China are: Baidu Wallet, UnionPay Online, Kuaiqian, Shengfutong, Alipay, Yifubao and so on. Choose different platforms and banks, and the charging standards and specific arrival time are different.
5. Inter-bank transfer
Inter-bank transfer/remittance repayment is mainly divided into two ways: inter-bank in the same city and inter-bank in different places. Whether it is transfer or remittance, the remittance bank will charge a certain fee, and the payment time and repayment convenience are not as good as those of peers, online repayment and convenience stores.
6. The counter is connected
Counter link refers to the bank card issued by various networked financial institutions, and the RMB current deposit and withdrawal transactions are conducted through the counters of other bank outlets registered in the mainframe system of UnionPay Trading Center.
7. Lacarra
Cardholders can complete credit card repayment, mobile phone recharge, online bill payment and other services through convenience stores, bank outlets or terminals that purchase "Lacarra" equipment.
8. New Fortis
"Xinfutong" smart card phone is an innovative electronic product independently developed by China UnionPay, certified by Bank Card Testing Center and supported by financial services provided by China UnionPay's inter-bank information exchange network.
9. Repayment Pass
Using the "Repayment Pass" for repayment, the fees are generally charged according to the charging standards for inter-bank transfer in the same city and inter-bank remittance in different places stipulated by the local people's bank.
10, other ways
In addition to these repayment methods, in order to facilitate cardholders to repay, the issuing bank has also opened its own repayment methods.
Extended data
If you have a credit card with UnionPay logo, you have to pay HK$ 1000 to buy things in Hong Kong, and pay back about RMB 883 when you go back to the Mainland (the exchange rate varies every day).
If you have a credit card with VISA logo or MasterCard logo (RMB/USD dual-currency card), you can swipe VISA or MasterCard system in Hong Kong and swipe HK$ 65,438+0,000. When you return to the mainland, you must pay back US dollars, which is about US$ 65,438 +0. If you don't have dollars, you have to pay them back in RMB, which is about 895 when converted into RMB. So pay more 12 yuan.
Baidu Encyclopedia: Credit Card Repayment
How to repay BOC Hong Kong Credit Card?
At present, there are many ways for China Bank to handle credit card repayment: you can take the initiative to repay through the counter of China Bank, automatic teller machine (ATM), online banking transfer and other channels; Or self-service repayment through inter-bank transfer, Alipay and other channels; Holders of BOC debit card, Great Wall credit card or current all-in-one card can also apply for automatic repayment.
This concludes the introduction of how to repay Hong Kong credit cards and how to repay Hong Kong credit cards. I wonder if you have found the information you need?