What should I do if there is more money in the credit card?
When the repayment amount of the credit card is greater than the amount owed, the extra part will be displayed as a negative number, which is the so-called overpayment. 1. Overpayment is accumulated on the credit line, which will be given priority in the next consumption; 2. When the overpayment is withdrawn, it may be necessary to pay the formalities fee; China Merchants Credit Card overpayment requires a handling fee, generally 1%/ transaction, with a minimum of 1 yuan/transaction. Some banks do not need a handling fee.
There are three ways to solve this problem: 1. Call the customer service hotline of the credit card center or go to the counter of the outlet to transfer the extra money to the debit card. Our charging standard is 3%. (minimum 5 yuan), the customer service hotline transfer is 3 working days, and the counter transfer is timely; 2. For cash withdrawal through ATM machines and counters, our handling fee is 3%, and the daily limit is less than 2, yuan; 3. If online banking is enabled for credit cards, you can transfer money to other banks' debit cards through online banking, and our handling fee is 1.5%.
1. At present, if there is a UnionPay LOGO on the credit card in China, it means that the card has joined the China UnionPay organization. 2. Overseas, except for Hong Kong, Macao and Taiwan, there are many countries where the UnionPay system is not popular, so most of them need to take the international card organization channel. It depends on whether you have an international card. It is easy to distinguish an international card just by looking at whether there are logos of credit card organizations such as Visa or Master besides UnionPay.
2. Main methods 1. With regard to the credit card cash withdrawal method, the cardholder only needs to log in to the bank's credit card online banking, select the cash advance function, and then follow the prompts, and the cash advance from the credit card can be directly credited to the personal debit card account, which is relatively simple to operate. 2. Cash advance by phone is to call the customer service hotline of the bank credit card, and according to the voice prompt, the cash advance will be credited to the personal debit card account.
3. Main handling fee 1. Handling fee for cash advance: Most banks have set the minimum handling fee, so cardholders should pay more attention before withdrawing cash. Interest of .5% per day. 2. Handling fee for cash advance in domestic banks: ICBC's local bank has no handling fee, 2.5% of the cash withdrawal amount of China Everbright Bank, the lowest 3 yuan, the highest 2 yuan, 1% of the transaction amount of Agricultural Bank, the lowest 1 yuan Construction Bank's cash withdrawal amount, the lowest 1 yuan RMB, and the highest 5 yuan China Bank's local bank has no handling fee, 1% of the cash advance of China Merchants Bank. The minimum charge is 1% of the transaction amount of Bank of Communications in 1 yuan (the first charge of city series credit cards is free), 2.5% of the transaction amount of Ping An Bank in 5 yuan (the new standard), .5% of the cash withdrawal amount of 25 yuan Minsheng Bank, 2% of the cash advance of 1 yuan Industrial Bank, 3% of the cash advance of 2 yuan CITIC Bank, and 3% of the cash withdrawal amount of 3 yuan Pudong Development Bank. The lowest RMB is 1 yuan.
what should I do with the excess credit card money
1. How to transfer the excess credit card money?
there are two ways to transfer the excess amount of credit card.
one way is to handle cash advance business directly through the issuing bank's credit card APP or online banking, and just enter the transfer amount according to the prompts and provide the bank card account to be collected.
one way is to call the customer service phone of the issuing bank and transfer it to the manual customer service, telling them that they can transfer the overstocked money, and providing the bank card account for the collection, so that the customer service can help with the transfer.
2. Precautions for transferring out the excess amount of credit card:
1) The essence of transferring out the excess amount of credit card is the transfer of overpayment, and the handling fee is charged according to the cash advance business of credit card. Most banks charge .5% of the transferred amount for each transaction, with the lowest 5 yuan and the highest 5 yuan capped. However, there are some card types that charge monthly cash advance for free.
2) When transferring the excess amount of credit card, most banks can only transfer it to the savings card in their own name, but not to other people's bank cards;
3) The transfer-out of the excess credit card amount is subject to the receipt behavior. If you want to receive the account quickly, you'd better provide a debit card in your own name. After all, the speed of intra-bank transfer to the account is very fast, and generally it can be received in real time at the earliest.
to sum up, there are two ways to transfer the excess amount of credit card, but before the transfer, you must know the handling fee involved and the time of receipt. If it's troublesome, it's recommended to spend the excess deposit directly by swiping the card.
Credit cards are generally special plastic cards with a length of 85.6mm, a width of 53.98mm and a thickness of 1mm. The name of the card issuer, expiration date, number, cardholder's name and other contents are printed on the front, and there are chips, magnetic strips and signature strips on the back. Cardholders can use their credit cards to shop, spend money and deposit and withdraw cash from banks.
main features
cash deposit is not encouraged, and it can be repaid after consumption, with an interest-free repayment period, and it can be repaid by installments (with a minimum repayment amount), and it can be used globally by joining international credit card organizations such as VISA, MasterCard and JCB.
is one of the fastest-growing financial services today, and it is an electronic currency that can replace the traditional cash circulation in a certain range.
it has both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also obtain certain loans from card issuers by using credit cards.
is a high-tech product integrating financial business and computer technology.
it can reduce the use of cash currency.
it can provide settlement service, which is convenient for shopping and consumption and enhances the sense of security.
It can simplify the collection procedures and save social labor.
it can promote commodity sales and social demand.
repayment method
within the issuing bank, this method includes: the counter of the issuing bank, ATM, online banking, automatic transfer, telephone banking, etc. After repayment, the credit card limit will be restored immediately, and the money will generally be recorded after being processed by the system on the same day.
Micro-banking POS mobile phone Micro-banking POS mobile phone is a personal payment terminal of mobile financial system, which can be used for direct credit card repayment and transfer. Immediate arrival!
repayment by transfer/remittance is mainly divided into two ways: inter-bank in the same city and inter-bank in different places. No matter how to transfer or remit money, the remitting bank will charge a certain fee, and at the same time, the time of payment and the convenience of repayment are not as good as those in peers, online repayment and convenience store repayment.
The common online platforms for online repayment in China are UnionPay Online, Kuaiqian, Shengfutong, Alipay and Tenpay. Different platforms and banks are selected, and the charging standards and specific payment arrival time are different.
Convenience Store Repayment This method mainly completes the repayment through the "Lacarra" smart payment terminal installed in the convenience store. Generally, it takes 2-3 working days to arrive at the account, and no handling fee is charged for repayment in this way.
Counter-to-counter repayment refers to bank cards issued by networked financial institutions, which are used to conduct RMB current deposit and withdrawal transactions through the counters of other bank outlets registered in the host system of UnionPay Exchange Center.
the "xinfutong" smart credit card phone is an innovative electronic product independently developed by China unionpay, certified by the bank card testing center, and supported by financial services provided by the inter-bank information exchange network of China unionpay.
Repayment Pass uses "Repayment Pass" for repayment, and the fees are generally charged according to the charging standards for inter-bank transfer in the same city and inter-bank transfer in different places stipulated by the local People's Bank.
in addition to the above-mentioned methods, the issuing bank has also opened its own repayment methods for the convenience of cardholders.
what should I do if I accidentally put more money into my credit card?
In order to avoid the withdrawal fee, there are two options:
First, spend the saved money by credit card without any extra fees;
second, cancel the card and withdraw the balance. Attention should be paid to the order of withdrawing the balance and canceling the card. For example, the customer service staff of CITIC Bank said that if the balance is taken first and then the card is cancelled, then the current handling fee will also be charged. The charging standard of the bank is 2%, with a minimum of 2, yuan per transaction, and there is a rule that a single transaction can be withdrawn at most.
If you have an extra deposit of 5, yuan and need to withdraw it in three installments, you will have to pay the 1 yuan handling fee. If you cancel the card first and provide another savings card account of the bank to transfer the balance, there is no handling fee, but you have to wait for 3 working days to arrive.
basic knowledge of credit card repayment:
1. three repayment methods of credit card
1. full repayment
after the bill is issued on the billing day, the bill amount will be returned at one time-this is the best repayment method and requires a large amount of money. For example, if the current bill is 5,, you need 5, yuan.
2. Repayment by installments
After the bill is paid at sunrise, the current bill will be repaid by installments, which can generally be divided into 3-6-9-12-18-24 installments-this is a relatively simple repayment method with less repayment pressure, and it needs to bear a certain installment fee. The analysis fee of each bank is different, which is generally around .7-.8 < P > and needs to be borne in each period (for example, 1, yuan is divided into 12 periods, the fee rate is .72, and the total cost to be borne by * * * is 1,.72% 12 periods =864 yuan)
3. The minimum repayment amount is < P. The minimum repayment can only ensure that our credit record is not overdue, but we need to pay the full interest on the bill.
2. billing date and repayment date
1. billing date
is the date of bank settlement, usually once a month. depending on the application time, billing date of each card is different. billing date has been set when credit card is approved and cannot be set in advance, but you can call bank customer service to modify it after you get the card activated.
2. Final repayment date
Generally speaking, the final repayment date of each bank is the 2th day after the bill date, and some banks are different, such as transportation and ICBC, which is the 25th day after the bill date. Investment promotion is 18 days after the bill date. Just sit down according to the bank number of the card in your hand.
3. Full repayment
1. Paying off the bill in one lump sum
means returning the total bill to the corresponding credit card account in one lump sum before the final repayment date stipulated by the bank.
2. Accumulate and pay off in full for many times
The bank has not asked to pay off the bill in full at one time, but it can be paid off in multiple times, as long as it is paid off in full before the final repayment date. What do you mean?
for example, if the bill amount in this period is 1, yuan, the bank does not ask for a one-time repayment of 1, yuan, but it can repay 1, yuan in multiple installments, for example, 3, yuan once, 4, yuan once, 2, yuan once and 1, yuan once, and the total amount is * * * 1, yuan.
what should I do if there is extra money in the credit card of China Bank?
the credit balance refers to the overpayment in the cardholder's card account, that is, the overpayment. The credit balance can't be used for installment payment, but can be taken out through the counter of Bank of China or ATM. There is no handling fee for withdrawal at the counter of BOC card. If withdrawal is made at ATM, the withdrawal fee will be charged by default, but no interest will be charged. There is no charge for local withdrawal of the Great Wall Card, but a withdrawal fee will be charged in different places, and no interest will be charged for withdrawing excess deposits; You can call the Bank of China Credit Card Customer Service Hotline at 46695566 for details.
the above contents are for your reference. please refer to the actual business regulations.
what should I do if I have more money in my credit card?
1. In the case of China Merchants Bank credit card, if there is no debt, pay more by credit card, or after automatic repayment with credit card, make manual repayment on the repayment day. The amount of the overpayment can be used by swiping the card, online payment, etc. or be recovered after 2 days of repayment.
second, if your credit card is in arrears, the transferred amount will automatically deduct the credit card arrears.
3. Get back the overpayment of the credit card. The charges include:
1. Get back free through the handheld life client;
2. For manual retrieval by telephone, the handling fee is .5% of the retrieval amount, with a minimum of 5 yuan RMB or US$ 1 per transaction. At present, our bank offers preferential treatment, with a maximum of 5 yuan RMB or US$ 1 per transaction;
3. If the overpayment is withdrawn through the cash advance channel, the cash advance fee will be charged;
4. It is free for corporate card holders to get their own one-card back.