When using international credit cards in consumption abroad, transactions can be made through different channels, such as UnionPay, Visa, MasterCard, American Express, JCB, etc.

Repayment selection method:

1. When the UnionPay line is selected, all foreign currency transactions will be converted into RMB amount according to the real-time exchange rate and credited to the RMB account of the international card. And unionpay doesn't charge any fees.

2. If you choose other routes, the consumption amount will be accounted into a foreign currency account, and you may face foreign exchange handling fees.

Repayment method of associated account:

1. Debit card is associated with account repayment, but not all associated accounts can automatically repay credit card foreign currency arrears.

2. Generally speaking, when the debit card is bound to automatic repayment, the cardholder needs to choose whether the debit card account is associated with the credit card foreign currency account. If there is no choice, the debit card account will only repay the arrears of the credit card RMB account, and the arrears of the foreign currency account will be returned only after the automatic repayment function of the foreign currency account is set.

If there is no associated account, you can purchase foreign exchange by phone for repayment:

If the credit card is not bound to an associated account, the cardholder can also choose a variety of ways to return the arrears of the foreign currency account.

1. You can deposit the corresponding foreign currency into the credit card foreign currency account at the bank counter.

2. Cardholders can purchase foreign exchange for repayment at bank outlets with the function of "individual purchase of foreign exchange".