At the same time, did the landlord take away the extra deposit in your credit card (that is, overpay), or overdraw it for cash withdrawal?
If the overpaid money is taken away, the local bank will not charge a cash handling fee. (Locally, it was taken in the administrative province where the credit card issuing bank is located. For example, the landlord's card is handled by Suzhou, the issuing bank is Suzhou Branch, and there is no cash withdrawal fee in Jiangsu Province. On the other hand, when withdrawing money outside the administrative province, there will be a withdrawal fee, which is 0.5% of the withdrawal amount, ranging from the lowest in 2 yuan to the highest in 50 yuan. In addition, no matter inside or outside the province, it is 2000 yuan per card every day through self-service equipment. If the landlord's deposit is more than 2000 yuan and needs to be taken out at one time, you should go to the counter to get it. )
For overdraft withdrawal, the bank stipulates that the daily withdrawal of each card shall not exceed 2,000 yuan, and the withdrawal fee shall be 0.5% of the withdrawal amount, with the minimum 2 yuan. Moreover, overdraft withdrawal does not enjoy interest-free period. From the date of withdrawal, interest of five ten thousandths of the cash amount will be charged every day.
For example, the landlord overdraws 2000 yuan and pays it back after 10 days.
Total amount payable = withdrawal principal+withdrawal handling fee+withdrawal interest.
= 2000+2000 * 0.5%+2000 * 0.05% *10 (10 interest)
=2000+ 10+ 10
=2020 yuan