How to withdraw the overpayment from a credit card (debit card)?

Credit card (debit card) overpayment can be withdrawn directly through the ATM machine. Insert the credit card (debit card) into the ATM machine and enter the password to check the current overpayment in the card. The user can directly choose to withdraw the amount. It should be noted that some banks require payment of handling fees for overpayment, so for credit cards (debit cards) that charge handling fees for overpayment, direct consumption will be more cost-effective.

The overpayment cannot be withdrawn. It can be consumed or used to pay off credit card (debit card) bills, but no interest will accrue during the period of existence.

How to withdraw the overpayment from CCB’s credit card

1. Overpayment in RMB

Cardholders can use the “Credit Card” of CCB’s mobile banking or online banking - The "cash transfer" function can withdraw excess payments, or you can withdraw excess payments directly through the counters of CCB branches and ATM machines.

2. Overpayment

The cardholder himself calls the CCB customer service hotline 95533 and presses No. 2 to handle the refund of overpayment through credit card manual service.

In addition, there is no handling fee when overpayment is transferred to a CCB account in the same city. A handling fee is charged for transfer to a CCB out-of-town account or other bank account based on 1% of the transfer amount, with a minimum charge of 2 yuan. The maximum charge is 100 yuan.

Overpayment is a Chinese word, the pinyin is yìjiǎokuǎn. Refers to the funds that credit card customers overpaid when repaying or the funds stored in the credit card account. A certain amount of fees must be paid to withdraw the overpayment. This amount can increase the available limit of your credit card or be used directly for consumption repayment. If there is an overpayment on the credit card, the overpayment will be deducted first and then the credit limit. If the overpayment is greater than the consumption amount, there will be no overdraft. No interest is accrued on overpayments.

In fact, banks do not encourage cardholders to charge money to their credit cards because credit cards adopt a consumption-first-repayment model. Therefore, the bank stipulates that a certain handling fee will be charged for overpayment withdrawal. At the same time, the handling fees for withdrawing cash from credit card overpayments vary from bank to bank.

Note:

1. Overpayment is a credit card deposit, and the bank will not calculate interest. This is completely different from a debit card.

2. Credit card cash withdrawals are subject to charges according to regulations. The charging issue should be looked at from two aspects:

(1) According to the regulations on the use of credit cards, ATM machine withdrawals basically charge a cash withdrawal fee. The usual standard is 0.5 of the cash withdrawal amount, with a minimum of 5 yuan; The handling fees for overseas cash withdrawals are higher.

(2) If you withdraw money from an ATM machine with "overpayment", you will still be charged a cash withdrawal fee according to the credit card cash withdrawal standards. In this case, it is recommended that the cardholder transfer the overpayment on the credit card to a debit card of the same name in any bank, and then withdraw cash from the debit card. This reduces handling fees.

Reason:

As for the problem of handling fees for "overpayment" when credit card holders withdraw cash, the charging bank stated that although the credit card holder withdraws his own money, he has occupied related resources of the bank. Because unlike ordinary debit cards, credit cards are cumbersome in terms of deposit and withdrawal account processing, and credit cards are used to encourage customers to spend, not for cardholders to use them as savings accounts, so the charges are reasonable. Moreover, "overpayment" does not bear interest. In other words, there is no benefit to "recharging" your credit card in advance and then spending it. If the cardholder wants to increase a certain credit limit, he or she can apply for a temporary limit from the bank's customer service center. There is no need to rely on "overpayment" to increase spending power.

How to withdraw credit card overpayment?

Credit card overpayments can be withdrawn. The bank will not collect your money in vain. The credit card holder can go to the bank branch to handle it.

Overpayment collection is also called the buyer's balance return. The refund can be in cash or transferred to your personal debit card account.

How to withdraw the overpayment from a credit card

After the overpayment occurs in the credit card, you can directly withdraw it from an ATM or bank counter. Now most banks stipulate the number of days before withdrawing the overpayment. The pens are free. If you are not sure, you can call the customer service of the bank where your credit card belongs. If there is a handling fee for withdrawing the overpayment, it is recommended that you spend it directly with your card. Overpayment usually occurs when the cardholder deposits too much money into the credit card, which will lead to overpayment on the card. Consumption. If the amount is not large, you can wait until it is within your credit card limit. Then the amount of the excess payment will be consumed first when you make a purchase next time. Cash transfer out. Overpayments can be transferred directly to the bank card in your name at the counter or at the prescribed self-service equipment. This is also free of charge.

1. A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit. Credit cards stipulated in my country's relevant laws ("Interpretations of the Standing Committee of the National People's Congress on Relevant Credit Card Regulations") refer to credit cards issued by commercial banks or other financial institutions that have all the functions of consumer payment, credit loans, transfer settlement, cash deposits and withdrawals, etc. Or an electronic payment card with partial functions. On December 1, 2017, the "English Translation Standards for Public Service Fields" was officially implemented, stipulating that the standard English name of credit cards is CreditCard

2. Automatic teller machines, or ATMs, refer to banks in different locations Set up a small machine that uses a tape on a credit card-sized plastic card to record the customer's basic account information (usually a bank card), so that customers can use the machine to perform bank counter services such as withdrawals, deposits, and transfers. Most customers This kind of self-service machine is called an automatic teller machine.

How to deal with credit card overflow deposits

Overflow deposits refer to the funds overpaid by credit card customers when repaying or the funds deposited in the credit card account. For example, the amount that needs to be repaid this period is 1,500 yuan, and the actual repayment amount of the credit card customer is 2,000 yuan. The extra 500 yuan is the "overflow deposit".

After recharging a credit card, there may be an "over-deposit" on the credit card. The amount is equal to the total deposit amount minus the amount owed in the bill that has been issued. Most card-issuing banks will treat cardholders' withdrawals from their own deposits as overdrafts and charge a certain fee.

If you need to withdraw more funds, you can first use WeChat change to pay off the credit card, deposit the funds into the credit card, and then transfer the excess payment to the debit card through free withdrawal. Do this and you can withdraw money for free. The excess deposit can be placed on a credit card, and the excess deposit will be automatically deducted after the card is swiped for consumption. You can also withdraw it, but some handling fees will be paid, so it is not recommended to withdraw it.

This is the end of the introduction on what to do with credit card overpayments and how to check overpayments on credit cards. Have you found the information you need?