If there is no automatic repayment, sometimes it is inevitable that credit cards will be overpaid. This part of the extra funds is called overpayment. Many small partners are thinking, is there a handling fee for withdrawing this part of the funds? Can I withdraw cash for free? Let's get to know each other.

How to refund the overpaid money?

Excessive repayment after credit card repayment is equivalent to saving money in a credit card and can be directly consumed. But unlike debit card deposits, credit card overpayments do not calculate interest, so many users want to withdraw overpayments. What is certain is that the overpaid part can be taken out directly.

How much is the handling fee for overpayment and overpayment?

But it is not cost-effective to take out the overpaid money, because it doesn't matter if you save more money in the credit card, but you need to charge if you want to take it out. Most banks will charge a handling fee of 0.5% for withdrawing the overpaid part.

It is understood that at present, Guangfa Bank, Industrial and Commercial Bank of China, China Construction Bank and Minsheng Bank do not charge for the overpayment in the bank, and other banks need to charge.