Can I save money with a credit card? What should I do if I save too much?

You can save money with a credit card, but it is not recommended. Saving too much is called "overpayment" and can be used for card consumption.

Overpayment:

① This amount can increase the available limit of the credit card, or be directly used for consumption repayment;

② If there is an overflow in the credit card If you make a payment, the overpayment will be deducted first and then the credit limit. If the overpayment is greater than the consumption amount, it will not form an overdraft;

③ For example, if you need to repay 900 yuan in this period, the actual repayment is 1,000 Yuan, the extra 100 Yuan is the overpayment;

④ If you deposit money into the credit card in advance without consumption, then this part of the money cannot be withdrawn. If you want to withdraw it, you will Charging high handling fees should be avoided as much as possible;

⑤ Overpayment does not accrue interest. What should I do if I deposit too much money on my credit card?

The extra money deposited on your credit card is called overpayment. If you withdraw it, you will be charged a lot of handling fees. But now some banks have canceled the overpayment fees.

For example, some banks have free cash withdrawals for overpayments in the same city, including China Construction, China Construction, Communications, Minsheng, Huaxia, China Everbright, etc. There are no formalities for withdrawing credit card overpayments at local bank counters or ATMs. fee.

Remember that these banks are in the same city. The above-mentioned banks still charge fees for withdrawing overflow payments in other places.

Banks such as CITIC, Industrial Bank, China Merchants Bank, Ping An, and Shanghai Pudong Development Bank still charge fees for cash withdrawals on overpayments, ranging from 0.5% to 2%. Can I deposit money with a credit card?

(China Merchants Bank) There is no interest on credit card deposits, and there are handling fees for withdrawals.

When there is an overpayment (overpayment or refund after offsetting charges) on your credit card account, if you want to get the overpayment back, you can apply to have the overpayment remitted to your name. The designated bank account under (US dollars can only be withdrawn to your own China Merchants Bank account). A certain handling fee is required to claim the overpayment (it is free to claim your own bank card for commercial cards). You may also not receive back the overpaid card amount, which will be used to offset your future card usage. Our bank will not pay deposit interest for the overpayment amount on your credit card account.

If it is a China Merchants Bank credit card, you can deposit it to the credit card for repayment. It is not recommended to deposit more money. If it is not used up, there will be a handling fee for withdrawing the extra money. What should I do if I save too much money for my credit card repayment?

It doesn’t matter if I pay too much on my credit card. This part of the money can be included in my personal credit card account, and I can pay less for my next consumption. But in If you put money on a credit card, the bank will not give you interest.

If you want to withdraw this money, the bank will need to charge a handling fee. Because this is equivalent to a credit card cash withdrawal, credit card cash withdrawals require a handling fee, which is usually 1% of the transaction amount, starting at a minimum of 10 yuan.

It is recommended to pay attention to the following aspects:

1. When the credit card limit is sufficient, do not easily deposit money into the credit card. Try to choose to repay the bill in full according to the bill, or Set up automatic debit cards associated with your credit card.

2. For the processing of "overpayment" that has occurred, if the amount is small, try to "redempt" it by swiping your card.

3. For credit card purchases, the "overpayment" limit will be automatically used by default before the normal credit limit is used.

4. For credit card overpayments with a large amount, try not to withdraw cash directly from self-service devices. Can I save money with a credit card?

No way! Credit card, there is no point in not overdrawing it!

If you sign up for a debit card and repay it automatically every month, the money on the debit card will earn interest!

You won’t have to worry about forgetting to repay!

Credit cards have points, which is good for your credit!

There will be a handling fee when withdrawing money with a credit card. What should I do if I mistakenly deposit money on a credit card?

When the amount deposited into a credit card exceeds all the outstanding balances in the account, the excess amount is called "overpayment" and will be automatically deducted from subsequent credit card purchases.

If you don’t save much, just pay back the money for future consumption in advance, because although there is no interest for withdrawing "overpayment", you will still be charged cash handling fees. Can I deposit money in a credit card? What happens if I deposit too much?

You can deposit money, but withdrawals require handling fees. It is best to consume first and then repay. Otherwise, if you deposit the money first, the arrears will be closed first, and the rest will be overpayments. How to apply for a credit card, which credit card can be used to withdraw money without saving, and how to use it

Hello, if you want to apply for a China Merchants Bank credit card, credit card application conditions: The applicant should be between 18 and 60 years old ( Foreigners (25~60 years old), have certain financial ability and good credit record. The credit card application result shall be subject to our bank's actual audit. Information: Our bank’s credit card application form, photocopy of the front and back of your ID card (foreigners: passport and residence permit or employment permit; Taiwanese: Taiwan compatriot card and employment permit; Hong Kong and Macao residents: return permit and employment permit/residence permit) and work certificate files issued by the unit.

Application method: 1. Online application: please click: .cmbchina./product/newcustomer.aspx; 2. Please bring your original identity certificate, work certificate and financial certificate files to any branch of China Merchants Bank in person Handled at business outlets. 3. You can add "China Merchants Bank Credit Card Center" as a friend through WeChat and click "I want to apply for a card" to apply. 4. Call our credit card customer service hotline, select "3#" in the voice message to apply for credit card consultation, then select "1" to transfer the service specialist to register for you, and notify our local staff to contact you to confirm the application.