Payment refers to the extra money paid by credit card customers or the funds deposited in credit card accounts, and it takes a certain fee to take out the overpaid part. This money can increase the limit of available credit cards, or be directly used for consumer repayment. If the credit card has overpayment, the overpayment shall be deducted first, and then the credit line shall be deducted. If the overpayment is greater than the consumption amount, there will be no overdraft. Overpayment is interest-free.

In fact, banks do not encourage cardholders to recharge their credit cards, because credit cards use the mode of spending first and then repaying. Therefore, the bank stipulates that a certain handling fee should be charged for the overpayment. At the same time, the handling fee for cash withdrawal of credit card overpayment varies from bank to bank.

Extended data

According to the regulations, there is a charge for withdrawing cash by credit card. The charging problem should be viewed from two aspects:

1. In the regulations on the use of credit cards, ATM withdrawals are basically charged. Usually the standard is 0.5% of the withdrawal amount, and the minimum charge is 5 yuan; The handling fee for overseas cash withdrawal is higher.

2. If there is "overpayment", the withdrawal fee will still be charged according to the credit card withdrawal standard. In this case, it is suggested that the cardholder transfer the overpayment on the credit card to the debit card of the same name of any bank, and then withdraw cash from the debit card. This can reduce the handling fee.

The advantages of credit cards are as follows:

1, there is no deposit for overdraft consumption, and you can enjoy an interest-free period of 20-56 days. Repayment can be made on time without any charge (most banks will charge 0.05% interest and 2% handling fee on the day of withdrawal, while ICBC will charge no handling fee but interest).

2. It is not only safe and convenient to swipe your card when shopping, but also a bonus gift.

3. Special merchants who hold cards in banks can enjoy preferential treatment.

4. National access is barrier-free, and you can withdraw money or spend money on ATMs and POS machines with UnionPay logo.

5, credit card consumption, some credit cards get existing points, all kinds of discounts and lottery activities throughout the year, so that you can always have surprises as long as you use the card.

6. Unique supplementary card function, suitable for husband and wife to jointly manage their finances or master their children's financial expenses.

7. The free choice of one card and two currencies is popular all over the world, and consumption abroad can repay in RMB.

8400 telephone or 5-digit short number with prefix 9 provides 24-hour service, and loss reporting takes effect immediately, with zero card loss risk.

9. Use the third-party platform for business cooperation and provide preferential services for cardholders.

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