If you use Taobao in the United States, you can apply for dual currency (UnionPay &; VISA) credit card, open a savings account, deposit some RMB in advance, and then set up credit card repayment to automatically transfer money from the savings account.
Taobao's payment tool is Alipay, and China Merchants Bank's credit card supports Alipay transfer. At the same time, China Merchants VISA Credit Card can also be used for direct credit card consumption in the United States. Consumption in the United States is calculated by converting it into RMB at the foreign exchange rate of the day. On the day of repayment, the bank will automatically transfer the money from the savings account to the credit card. And you can also remit money directly to the savings account of China Merchants Bank.
In order to effectively curb the behavior of buying and selling accounts and opening fake accounts, and comprehensively promote the real-name management of accounts, since 20 16 12 1, when banking financial institutions open bank settlement accounts for individuals, the same person can only open one Class I account in the same bank. If a Class I account has been opened, a Class II account or a Class III account should be opened. This move aims to protect the safety of funds.
At the same time, in order to reduce the cost of residents' transfer, the Notice on Strengthening the Management of Payment and Settlement to Prevent New Crimes in Telecommunication Networks clarifies that banks that charge off-site fees for cash withdrawal, transfer and other businesses in the bank will be free within three months from the date of promulgation of this notice.
Baidu Encyclopedia-Transfer