After the credit card is paid off, the refund will be returned to the account in the same way, that is, to the credit card. This situation is also called overpayment, which means that the cardholder can put the excess deposit in the credit card, offset it directly at the next swipe, or take it out at the ATM, but there will be a handling fee.

Three ways to deal with credit card overpayment

1, consumption, if the amount is not large, you can wait within the credit card limit and use it directly for consumption. The next time you spend, the credit card will deduct the overpayment first.

2. In the case of cash transfer, the overpaid part can be directly transferred to the bank's savings card at the counter or designated self-service equipment, which may result in handling fees.

3. withdraw cash. Generally, the withdrawal of credit cards will generate handling fees and interest, except for overpayment. The extra money saved in the credit card can be taken out at the counter, and generally it must be deposited the next day or I am required to bring my ID card.

The above is the introduction of what to do when the credit card has paid off the refund. I hope it will help you. After the amount in the credit card has been paid off, if the refund application has not arrived, you can contact the merchant to see if you can transfer the refund to the bank card in my name.

Overpayment is a Chinese word, and its pinyin is y and jioku and n, which refers to the overpayment paid by credit card customers or the funds deposited in credit card accounts. You must pay a certain fee to take out the overpayment. 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.

Regarding the handling fee for credit card holders to withdraw "overpayment", the charging bank said that although credit card holders took their own money, they occupied the relevant resources of the bank. Because credit cards are different from ordinary debit cards in handling deposit and withdrawal accounts, and credit cards are used to encourage customers to spend instead of letting cardholders use them as savings accounts, the charges are reasonable. Moreover, "overpayment" does not count as interest. In other words, it is not good to "recharge" the credit card in advance before spending. If the cardholder wants to increase a certain credit limit, he can apply to the bank customer service center for a temporary credit limit, and there is no need to increase his spending power by "overpaying".

Overpayment is a credit card deposit, and the bank does not calculate and pay interest, which is completely different from a savings card.

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.

Where did Alipay refund the money to the credit card?

The money returned by Alipay to the credit card is in the credit card.

Pay by large credit card. If there is a refund, it is expected that the refund will be returned to the credit card you paid in 3-7 days. Please pay attention to the details of the bank card. For details, please go to Alipay homepage to check the refund progress.

After the credit card quickly pays the refund, once the refund occurs, the money will be returned to the credit card in the original way. Please pay attention to arrive in time. If the final payment results in a partial refund, the final payment will be refunded to Alipay account first, and then the credit card payment will be refunded to the credit card.

Extended data:

Introduce large credit card payment

Large credit card payment means that when the seller has the credit card payment function, the buyer can pay more when using credit card online banking (without the credit card payment function).

Banks supported by large credit card payment: Industrial and Commercial Bank, Industrial Bank, China Merchants Bank, China Bank, Bank of Communications, China Guangfa Bank, China Everbright Bank, Ping An Bank and Shanghai Pudong Development Bank.

Charge standard of credit card payment service

1. After the transaction is successful, the seller will be charged a handling fee, and the buyer does not need to pay the handling fee;

2. Only charge the handling fee for the amount paid by the credit card, and do not calculate the cost of using Alipay account balance, red envelopes, Tmall points, Jibao and shopping vouchers;

3. Taobao seller: 65438+ 0% of transaction amount (including freight) as handling fee, Tmall seller: 0.8% of transaction amount (including freight) as handling fee;

4. Alibaba seller: 0.8% of the transaction amount (including freight) is used as the handling fee.

Alipay-use a large credit card to pay. If there is a refund, where will the money be refunded?

Where will the money be refunded after Alipay-credit card fast payment refund?

The refund is returned to the credit card. Can you take out the money?

If the credit card bill is refunded in a single day, because the current arrears cannot be deducted, the cardholder must repay it with his own money, so the refunded money can easily become overpayment. It is often found that cardholders can withdraw cash directly. The refund is returned to the credit card, and the money can be taken out after the repayment is completed.

However, this money is overpaid, and it will cost a lot to take out.

1.

This money can increase the limit of available credit cards, or be directly used for consumer repayment.

2.

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.

3.

For example, if 900 yuan needs to be repaid in this period, the actual repayment is 1 1,000 yuan, and the extra 1 1,000 yuan is the overpayment.

4.

If you put the money in your credit card in advance without spending it, you won't get this part of the money. If you want to withdraw cash, you will charge a high handling fee and try to avoid it. With the advancement of curriculum reform and quality education, mathematics textbooks and test sites have also changed, and many contents have been streamlined, and the direction, difficulty and ability of the examination have also changed.

Is junior high school mathematics easier now than before?

I don't think so. Although some of the previous content is not learned now, it seems that the content is streamlined, but the basic framework has not changed. Compared with the previous papers, the present papers are more flexible and changeable in difficulty, paying attention to the examination of students' comprehensive ability and quality, and combining mathematical problems with practical problems, which has higher requirements for the transfer and flexible use of knowledge. Therefore, the difficulty of study and examination is increasing instead of decreasing. Looking through the newspaper, you can get a glimpse of it. The mobile certificate login password is a password of 6-8 digits or letters (letters need to be case sensitive) set when the certificate is activated. Please recall (there were 10 password attempts). At the same time, if the continuous input error reaches 10 times, the certificate will automatically become invalid. If you forget your password and it doesn't work, you should bring UKEY, account opening certificate and one of the cards associated with the professional version to any outlet of China Merchants Bank to apply for a new certificate. Set a new password (this cannot be retrieved directly through the Internet or telephone). Generally speaking, if you forget your password and can't remember it, take your ID card to the bank counter and reset your login password. You can use the ukey password.

Where can I return my credit card after I repay it?

After the credit card is repaid, the refund will be returned to the credit card, and the entry time is generally 1 to 3 working days, which varies from bank to bank. If it is a refund before the bill date, this consumption will be deducted and not included in the bill; If you receive a refund on the billing date, it will not be included in the current repayment, but will be included in the next bill as an overpayment of the credit card.

Credit card refund is generally put forward by the cardholder, then the merchant initiates the refund, the bank processes the information after receiving it, and then the subsequent refund is sent to the issuing bank, which records it before the customer gets the credit card. If you haven't received a refund for a long time after launching, you can consult credit card customer service at this time.

Credit cards must be returned on time after daily use, and there can be no overdue situation, because there will be penalty interest after overdue, and the longer the time, the more penalty interest. However, if you can't return it on time, you can use installment repayment or minimum repayment amount to avoid overdue repayment by credit card.

In order to prevent the credit card from being returned on time after use, it is best for users to know what benefits to return when using the credit card. If your income is relatively small, you should use credit cards carefully at this time. If you can't return it on time, you can borrow money from your friends.

Extended data:

Pay attention to the following four items when repaying, and banks generally will not take the initiative to tell you!

The minimum payment is useless.

For cardholders, the minimum repayment amount not only relieves the financial pressure, but also does not affect the credit information. But banks generally won't tell you that this is their preferred repayment method: current bills don't enjoy interest-free repayment, but they will calculate overdraft interest at five ten thousandths.

It is recommended to use it occasionally. If the interest rate is the lowest for a long time, the annualized interest rate may reach 20% to 30%.

Usually, the cardholder's repayment date is the demarcation point. Interest shall be calculated daily according to the total amount owed before repayment, and calculated daily according to the balance owed after repayment, which adds up to the total amount of interest payable.

If the previous bill contains interest, and the cardholder fails to pay off all the arrears on the final repayment date, the interest of the previous principal will be calculated as the next principal in the next bill.

In order to avoid similar situations in the future, it is recommended that partners try their best to repay in full before the repayment date.

Be cautious about automatic repayment

Many people choose automatic repayment, but we must pay attention to the deduction time of the issuing bank. If the salary is not received in time, it is easy to exceed the deduction period, resulting in overdue.

Therefore, it is suggested that there should be sufficient funds in the savings card first.

Repayment on the repayment date or cause overdue

In order to enjoy the interest-free period to the maximum extent, some cardholders like to repay on the day of credit card repayment, but this is very dangerous.

For example, the monthly repayment date of a credit card is 10, and the cardholder repays on 10. If the bank deducts money on the repayment date 16, and you deposit the money into the savings card bound by automatic repayment on 17, the bank's deduction will be unsuccessful or even overdue.

If the repayment is delayed on the last repayment date, it is easy to be overdue. It is recommended to repay a few days in advance.

Generally, banks will give a grace period of about 3 days, fearing repayment by unreliable methods, or repayment by software or system maintenance. Once the repayment date is not returned, the repayment may be overdue again, mainly for prevention.

Excessive repayment does not bear interest.

Excessive repayment of credit cards, the part that exceeds the repayment amount is called "excessive repayment".

The overpayment can be directly used for consumer repayment. If there is overpayment in the card, the overpayment will be deducted first and then the credit line will be deducted; If the overpayment is greater than the consumption amount, there will be no overdraft.

However, it is recommended to avoid "overpayment". After all, credit cards are different from savings cards, and even if there is extra money in the account, it will not generate interest. If you want to get back the "overpaid" part from your credit card, there may be some fees (different bank policies are different).

So much for the introduction of credit card refund.