The so-called overpayment refers to the excess money paid by the cardholder when repaying the loan, or the insufficient money deposited in the credit card when swiping the card. 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.
1. How to refund the credit card overpayment of China Merchants Bank?
Because the function of credit card is mainly used for overdraft credit card consumption, it does not have the transfer function of savings card. In other words, China Merchants Bank's credit card withdrawal is different from the savings card withdrawal, so you can withdraw it if you want.
If you need to get back the overpaid part, you must call the credit card customer service hotline of China Merchants Bank, and select the "9" transfer service specialist after voice authentication. Only after the application is successful can the withdrawal be made, and a certain handling fee is required for withdrawal.
2. How to charge the credit card overpayment of China Merchants Bank?
Many card friends have this question. The money in the credit card is my own money, so it's good to ask you for interest. It's really unreasonable to charge a handling fee for withdrawing my money.
However, for China Merchants Bank, although credit card holders take their own money, they occupy the relevant resources of the bank, and naturally they will charge you a handling fee.
The overpaid account number must be the same as the credit card account name, and the handling fee is charged at 0.5% of the withdrawal amount, with the lowest charge being 5 yuan RMB or 1 USD and the highest charge being 50 yuan RMB or1USD, according to the preferential policies of China Merchants Bank.