How long can I withdraw money after credit card repayment

After credit card repayment, I can withdraw money in 1-3 days as long as there is no account problem.

Cash withdrawal by credit card shall be made within the cash withdrawal limit of the credit card as determined by the bank. After repayment, if the credit card is normal, the withdrawal amount will increase accordingly. At this time, you can withdraw cash within the withdrawal amount.

after credit card repayment, there will be one of the following two situations:

1. Arrive in time

Transfer money at the counter of the same company or fast remittance repayment, both of which are arrived in time. The credit card account will return to the basic balance state, and as before, you can withdraw money from the ATM normally.

2. Delaying the arrival of accounts

Delaying the arrival of accounts means that there will be a delay in the arrival of accounts when repayment is made on an inter-bank or third-party platform. The time for different platforms is different, depending on the situation, ranging from 1 to 3 days. In this case, just look at the same prompt information at the time of repayment to make the time arrangement for withdrawing money.

: credit card

A credit card, also called a debit card, is a credit certificate issued by a commercial bank or a credit card company to a consumer with qualified credit. It is in the form of a card with the name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to special commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.

Credit card is a kind of non-cash payment method and a simple credit service. Credit cards are issued to cardholders by banks or credit card companies according to users' credit and financial resources. Cardholders do not need to pay cash when they use credit cards, and will repay them on the settlement date. Except for some credit cards combined with financial cards, general credit cards are different from debit cards and ATM cards, and credit cards will not directly deduct funds from users' accounts.

a credit card is a special carrier card with consumer credit, which is issued by a commercial bank to individuals and units, so as to make purchases, spend money and deposit and withdraw cash from the bank. It is in the form of a card with the name of the issuing bank, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back.

how long can I withdraw my cash after the credit card is repaid?

after credit card repayment, the available amount will be restored immediately after repayment. Generally, cash can be withdrawn within 1 to 3 days after repayment. The credit card withdrawal amount should be within the credit scope of the credit card, and the credit card withdrawal amount is generally half of the total credit amount.

the time when a credit card can be withdrawn depends on the repayment date of the card. The repayment date of a credit card is not fixed: if the repayment date is in the first half of each month, the withdrawal date will also be in the first half; If the repayment date is at the end of each month, the withdrawal date will also be at the end of each month. The repayment date of a credit card is generally 18 to 25 days after the monthly billing date of the credit card, which can be repaid in advance. Interest-free repayment can be made during the period from credit card consumption to the latest repayment time.

there are two existing credit card payment methods, namely, real-time payment and ordinary payment. Real-time arrival means that you can receive the money immediately after handling the credit card withdrawal business. Usually, the credit card withdrawal business handled at the bank counter and ATM can be received in real time. Ordinary accounts are generally used for online cross-bank cash withdrawal or cash withdrawal from third-party payment platforms such as WeChat and Alipay. Generally, the time to receive the account is within 24 hours, and the actual time to receive the account is about 2 hours.

Credit card withdrawal fee: handling fee: different banks have different regulations. For example, the credit card of CCB is charged at .5% of the withdrawal amount, with a minimum of RMB 2 yuan and a maximum of 1 yuan. The credit card of China Merchants Bank is charged at 1% of the cash withdrawal amount, with a minimum of RMB 1 yuan per transaction; Interest: calculated at five ten thousandths of the daily interest rate.

The difference between cash withdrawal by credit card and cash withdrawal by credit card overdraft:

1. Cash withdrawal by credit card overdraft is the behavior of cash withdrawal by overdraft within the available quota; Cash withdrawal by credit card includes cash withdrawal by credit card overdraft and cash withdrawal by overflow deposit. Credit card "overflow deposit" may occur after the credit card is recharged, and the amount is equal to all deposits minus the amount owed in the issued bill.

2. Cash withdrawal by credit card: No matter how you withdraw cash by credit card, you will be charged. If you withdraw cash by overdraft, you will be charged two parts. One is the handling fee, which is charged according to the percentage of the amount you withdraw. Advance cash is a small cash loan provided by the bank to customers, and its amount depends on the credit card of the account, and the maximum amount does not exceed 3% of the customer's credit limit. The amount of credit card overdraft withdrawal is set according to your card usage, and the withdrawal standards of banks are different, the lowest is not more than 3% of the credit limit, and the highest is 1% of the credit limit.

how long can China merchants bank continue to withdraw cash after credit card repayment

it usually takes 1 to 3 days to withdraw cash after credit card repayment. The bank stipulates that as long as the credit card does not have account problems such as overdue and loss warning, it can be withdrawn within 1 to 3 days after repayment. The credit card withdrawal amount should be within the credit scope of the credit card, and the credit card withdrawal amount is usually half of the total credit amount.

the time when a credit card can be withdrawn depends on the repayment date of the card. The repayment date of a credit card is not fixed: if the repayment date is in the first half of each month, the withdrawal date will also be in the first half. If the repayment date is at the end of each month, the withdrawal date will also be at the end of each month.

Extended information:

Note:

1. The repayment date of the credit card is usually 18 to 25 days after the billing date of the credit card every month, and repayment can be made in advance. Interest-free repayment can be made during the period from credit card consumption to the latest repayment time.

2. The bank will give a latest repayment time after the billing date. During this period, if the repayment time is relatively early, the time to enter a new round of billing cycle will be advanced, and if the repayment time is relatively late, the time to enter a new round of billing cycle will be delayed.

3. There are two existing payment methods for credit cards, namely, real-time payment and ordinary payment. Real-time arrival means that you can receive the money immediately after handling the credit card withdrawal business. Usually, the credit card withdrawal business handled at bank counters and ATM self-service cash machines can be received in real time.

Baidu Encyclopedia-China Merchants Bank Credit Card

Baidu Encyclopedia-Credit Card Repayment

Cash withdrawal can be made a few days after credit card repayment

Cash withdrawal can be made immediately on the day of credit card repayment (as long as the card is in normal use and there is a remaining amount in the card, it can be withdrawn at any time); Cash withdrawal on the repayment date of the credit card is included in the next bill, and this transaction should be repaid before the repayment date of the next bill. Credit card withdrawal fee: 1. Handling fee: different banks have different regulations. For example, CCB credit cards are charged at .5% of the withdrawal amount, with a minimum of RMB 2 yuan and a maximum of 1 yuan;

credit card usage:

swiping a card through a POS machine

swiping a card through a POS machine is the most common way to use a credit card, and it is a way to swipe a card through the Internet. When swiping a card, the operator should first check the validity period of the credit card and the cardholder's last name. Then, according to the issuing bank and the type of currency to be paid, select the corresponding POS machine, swipe the magnetic stripe of the magnetic stripe credit card on the POS machine, or insert the chip credit card into the card slot, contact the bank and pay++,and input the corresponding amount. After the remote payment++accepts the information, the POS will print a receipt (at least two copies) for payment by credit card, and the cardholder shall sign the receipt after checking that the information on the payment receipt is correct. After checking the signature on the receipt and the signature on the back of the credit card (including the name completely matching and the handwriting basically matching), the operator will send a copy of the credit card and the credit card payment receipt to the cardholder. At this point, the credit card swiping program on the POS machine is completed.

RFID card tapping

It is a new type of credit card use mode and a networking mode to tap the card on the RFID machine. When taking a card, the operator should first check the validity period of the credit card and the cardholder's last name. Then, according to the issuing bank and the kind of currency to be paid, select the corresponding card punching machine, input the corresponding amount, and lay the credit card flat at a place not more than 1cm above the sensor. After the RFID machine senses the credit card, it will send out a signal sound, and then continue to operate the program. After the remote payment++receives the information, the printer (if connected) will print out a receipt for card payment, but unlike the previous method, the cardholder does not need to sign, which is faster and more convenient than the previous method. At this point, the card tapping induction program on the RFID machine is completed.

manual sheet pressing

manual sheet pressing is usually used when there is no POS machine or no internet connection. The pressing operation must have a pressure-sensitive duplicate "direct purchase order" (at least two copies) and a telephone. The inspection before pressing the order is the same as that of the POS machine. Then, the operator prints the++and name raised on the credit card on the purchase order with the credit card pressing device, and writes the information such as the amount and date, then calls the authorization hotline of the acquiring bank, reports the card information to apply for authorization, and writes the obtained authorization code on the purchase order, and then the cardholder signs it after confirming that it is correct. After checking the signature, the operator gives the cardholder a copy of the credit card and the purchase order. At this point, the manual pressing procedure is completed. Authorized calls are usually dialed immediately. In some areas with poor communication or good credit discipline, merchants will encounter the situation that they will deliver the goods to complete the transaction after signing the card. Authorization will be completed in the future, but merchants are at risk of encountering credit card++(if customers use invalid cards to pay, they will not be able to find out immediately without applying for authorization code immediately).

How soon can China Merchants Bank withdraw cash from its credit card after repayment

If the credit card of China Merchants Bank is repaid, the available limit will be restored immediately, but the withdrawal limit will be restored in another two days.

if there is no consumption on the card before the cash withdrawal on August 5th, and the amount is 5, yuan, you will withdraw 2, yuan on August 5th, in addition to this principal, there will be a handling fee for 2 yuan. The August bill issued on August 15th will list the full repayment of 2+2+ interest of 2× 5 ‰× 11 days =231 yuan.

if the repayment is made in full on August 25th, the withdrawal can be continued on August 27th, and the upper limit is 2,5 yuan (5% of the fixed amount). This withdrawal will be listed on the September bill on September 15th, and the repayment can be made on October 3rd at the latest. However, if the principal is withdrawn by China Merchants Bank Credit Card, it is included in the minimum repayment amount, so the repayment can be made in full on October 3rd at the latest.

Disadvantages

The invention of credit card is like a double-edged sword, which can solve the temporary economic crisis. However, the purpose of issuing credit cards is to make money. Once the interest-free repayment time is exceeded, it will charge high interest, usually five ten thousandths of the daily interest.

Blindly spending money by swiping a card is not like spending money one by one like paying cash. When you swipe it, you feel nothing. A few figures lead to blind spending and spending money like water.

Over-consumption of notebooks, digital cameras and smart phones should be phased in. While enjoying your favorite items in advance, you should also consider whether you can repay them.

high interest. if you can't handle your credit card, and you can't repay it as scheduled when the final repayment date comes, the bank will charge you high interest. (The minimum repayment of a credit card in the first month should not be less than 1% of its overdraft amount in the current month)

Credit cards that need to pay an annual fee basically have an annual fee, but basically there is a policy of exempting the annual fee. For example, CCB can waive it as long as it swipes it three times a year; But if you don't swipe your card the number of times specified by the bank in a year, you need to charge an annual fee.

Stealing a credit card is basically a password-free credit card consumption by default, which makes it easy to be stolen by others when it is lost or stolen, causing unnecessary trouble or loss; But in fact, credit cards can also be used to charge by password-it depends on how you manage your credit card. Of course, many people, because of their lack of experience in this field, have not cancelled their credit cards and have been re-applied for credit card overdraft by some lawless elements, which is not worth it.

Long-term malicious arrears affecting personal credit records will naturally affect personal credit records and even be blacklisted by banks. In the future, if you want to borrow money from banks to buy a house or car, you may be rejected by banks.

Cancellation Trouble CCTV once reported that a cardholder had received a bank bill several months after paying off all the debts and canceling his credit card, and the subsequent events made him miserable. This article entitled "Unclear Credit Card" exposed the disadvantages of current credit cards.

although the credit card has an interest-free period, it is only for credit card consumption. There is no interest-free period for cashing, and there is a handling fee.

can I withdraw cash immediately after the credit card is repaid?

after credit card repayment, as long as there is no account problem, you can withdraw cash in 1-3 days.

Extended answer:

1. The repayment period of credit card is calculated according to the billing date and consumption date of your credit card, and it is not fixed. The bank will tell you when the card is issued, and each bill will have a bill date. The repayment period varies from bank to bank, generally speaking, it is 18 days to 25 days after the billing date, of which the shortest is 18 days for China Merchants Bank and the longest is 25 days for Industrial and Commercial Bank of China. The period from the date when you use your credit card to the billing date plus the repayment period mentioned above is the date when you enjoy interest-free repayment.

2. Credit card withdrawal shall be made within the credit card withdrawal amount determined by the bank. Under normal circumstances, the credit card withdrawal amount shall not exceed 5% of the cardholder's credit line. Some banks have a credit card withdrawal amount of 3%, and some cards can reach 1%. If the repayment amount hasn't arrived after your repayment, as long as you didn't exceed the limit last time and the credit card available is enough, you can withdraw cash directly without waiting for the repayment to arrive. After repayment, if the credit card is normal, the withdrawal amount will increase accordingly. At this time, you can withdraw cash within the withdrawal amount.

3. in addition, if you have used up your credit card withdrawal quota before, you can only withdraw your credit card when you enter another billing period after the credit card repayment, and you can only withdraw your credit card when the credit card repayment arrives.

if you pay by online banking or ATM, it will usually arrive on the same day;

if you pay by inter-bank, it will usually arrive the next day, and it will not exceed 5 working days at the latest;

if you repay through payment platforms such as AliPay and Tenpay, it can be divided into two types: one-day payment and the next-day payment.

4. about the credit limit: cardholders can check the available credit limit in real time through the issuing bank official website, mobile banking APP and other channels.

if you don't repay in full, your credit card withdrawal limit will also be limited, and the bank will only restore the credit card limit you have repaid.

let's stop here for the introduction of how long it takes to withdraw cash after credit card repayment.