If there is no transaction on the unpaid bill, there will be overpayment on the overpaid card. You can take the overpaid part at the location of CCB Credit Card Bank without any handling fee, and then take out the overpaid part and deposit it in another card with less repayment.
There are two ways to withdraw cash directly and charge a handling fee. Secondly, you can call customer service and ask them to transfer money. There is a handling fee for both. It takes three to five days to withdraw the cash yourself.
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Application:
In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.
The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China.
When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.
The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate.
Baidu encyclopedia-credit card