No need. For example, if a credit card is swiped in US dollars, it can be directly repaid in RMB. You can also call the bank phone on the back of the bank card to transfer the manual service and request to open the RMB foreign exchange purchase function; It is necessary to open the function of purchasing foreign exchange first to return RMB directly to US dollars. After opening, you can choose full repayment or minimum repayment. Automatic repayment of RMB has been started. On the due repayment date, the foreign currency account arrears will be automatically converted into RMB together with the RMB account arrears, and the repayment will be automatically transferred out of the current RMB account. After the foreign exchange purchase function is successfully set, the RMB money you deposited will be used to repay the overdue part of your minimum repayment amount, and then you can purchase foreign exchange according to the amount you set to repay the US dollar bill, and then repay the RMB bill.

1. US dollar bills generated in consumption abroad or by withdrawing foreign currency cash can be repaid by purchasing foreign exchange in RMB. 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 amount of cash. The function of purchasing foreign exchange can be applied through online banking or calling the customer service hotline.

2. Credit Card (English: credit card), also called credit card. It is a non-cash transaction payment method and a simple credit service. Credit card is generally a special carrier plastic card with consumer credit, which is 85.60mm long, 53.98mm wide and 1mm thick. It is issued by banks to individuals and units, so that they can shop, spend and deposit and withdraw cash from banks. The form is a card with the name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature on the back. Credit cards are issued to cardholders by banks or credit card companies according to the credit and financial resources of users. Cardholders do not need to pay cash when using credit cards, but will make repayment on the billing date. Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to the credit card issued by the bank, which gives the cardholder a certain credit limit, within which the cardholder can spend first and then repay. A quasi-credit card refers to a quasi-credit card issued by a bank. The cardholder deposits a certain amount of reserve fund according to the regulations. When the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards. The word "credit card" originally refers to the financial products introduced in this article. However, because there was no credit card in China before, or even any savings card with credit card function, the real credit card can only be called "debit card". A real credit card has the following characteristics: it is not allowed to deposit cash in advance, it can be repaid after consumption, it can enjoy an interest-free repayment period, it can be repaid in installments (the minimum repayment amount), and it can be used globally by international credit card organizations such as VISA, Master Card and JCB.