There are two ways. One is to log in to Mobile Life and search for "Overpayment Reclaim" to claim overpayment. The second is to call China Merchants Bank’s credit card service hotline and receive the overpayment by transferring it to a debit card in your name. Using these two methods, you can directly transfer the overpayment to your own bank card.

It should be noted that when transferring overpayments to a bank card, the account name and ID number of the debit card used must be consistent with the credit card. Overpayments in US dollars can only be collected with the China Merchants Bank All-in-One Card. Overpayment recovery handling fee: 0.5% of the amount recovered, with a minimum of RMB 5 or US$1 and a maximum of RMB 50 or US$10. Handheld life channels are currently exempt from handling fees.

In addition to the above two methods, cardholders can also directly withdraw the overpayment, but this method is called cash withdrawal. If you withdraw the overpayment through cash advance channels, you will be charged a cash advance fee. . The handling fee for domestic RMB cash advances is 1% of the amount of each cash advance, with a minimum charge of RMB 10 per transaction; the handling fee for overseas cash advances is 3% of the amount of each cash advance, with a minimum charge of US$3 or 30 yuan.

Through more than 21,000 domestic institutions, 100 overseas branches and thousands of agency banks around the world, ICBC uses leading information technology and electronic networks to serve more than 8 million corporate customers and 100 million Multiple individual customers are provided with a full range of financial services in domestic and foreign currencies, including wholesale, retail, electronic banking and international business. As of the end of 2004, cash management had more than 3,700 contracted customers and provided cash surplus payment for 19,600 upstream, downstream or affiliated units of these customers.

Refers to the funds that credit card customers overpay 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 overpayment.

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 cash withdrawals from credit card overpayments vary from bank to bank. Management services; the number of personal consumer credit customers is 3.97 million, with a loan balance of RMB 483.9 billion; the total number of customers of the high-end personal financial business product-Elite Club account exceeds 1.24 million.

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 withdrawals basically require 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.

As for the handling fees for "overpayment" of cash withdrawals by credit card holders, the charging bank stated that although the credit card holders withdraw their own money, it takes up the bank's relevant resources. 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 include 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.