What does overpayment on a CCB credit card mean?

Overpayments on CCB credit cards refer to the money that cardholders add to their CCB credit card accounts during repayment, or the money that is deposited in their credit card accounts. \r\nAlthough the overpayment on the CCB credit card is the cardholder's own money, it will be counted as a cash withdrawal for the overpayment on the credit card. Non-provincial counterparts need to bear a certain handling fee for cash withdrawals, but there is no interest on cash withdrawals. \r\nBecause depositing money into a credit card account will not generate income, and it is inconvenient to withdraw it, it is not recommended that you repay more or deposit money into a credit card. \r\nFor more information about what overpayment on CCB's credit card means, go to: View more content

How to get overpayment on CCB's credit card

RMB overpayment: Cardholder The excess payment can be withdrawn through the "Credit Card" - "Cash Transfer" function of CCB's mobile banking or online banking, or directly through the counters and ATMs of CCB outlets.

Overpayment: The cardholder himself calls the CCB customer service hotline 95533 and presses No. 2 to process the overpayment refund through the credit card manual service.

Credit cards, also called credit cards, are credit certificates issued by commercial banks or credit card companies to consumers with qualified credit. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back.

The choice of credit card is very important. Nowadays, many commercial institutions have bundled cooperation services with banks. For example, you can apply for a joint credit card between a department store and the corresponding bank, and you can spend points here as a member and earn points. Discounts; or some cards can provide discounts at designated merchants, including dining, movies, towing services, etc. There are various names, and you can choose freely according to your own needs. Credit cards should be used wisely and chosen wisely.

Bill installment is the most convenient installment method. Basically, all card-issuing banks can support this installment method, and the application is simple. Users only need to submit an installment application to the card-issuing bank by phone or other methods after swiping their card for consumption and before monthly bills are sent.

However, please note that each bank will stipulate some special cases. For example, speculative card swiping will not be successful in installments. So before proceeding with staging, be sure to read the staging manual carefully.

Applicants for credit cards can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country. Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed.

Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.

The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his/her basic information, etc.

And submit certain copies of documents and certificates to the card issuing bank. After the customer fills in the application form truthfully according to the content, the customer must also submit the relevant credit certificate while submitting the completed application form. The application form is accompanied by a credit card use contract. The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must have the applicant's signature.

Once there are too many credit cards, it is easy to misunderstand the repayment date of the card and not remember the credit limit of the card. It is difficult to manage, and it is easy to cause late repayment and leave a bad record. Moreover, if you swipe multiple cards to earn points, the points will be too scattered and it is not conducive to redeeming gifts. Therefore, it is recommended that only 1 to 2 credit cards are enough.

I accidentally paid off my CCB credit card twice. What should I do? Will it be refunded?

The funds deposited into the CCB credit card will first repay the entire credit card balance. If there is still remaining funds, it will be the credit card overpayment. In addition to giving priority to consumption, customers can also spend it in the following ways. :

1. RMB excess payment: You can transfer RMB excess payment to your bank savings account or other through mobile banking, personal online banking "credit card-cash transfer" function, branch counters, and self-service equipment For credit cards, overpayment funds can be transferred to our bank's accounts in the same city without handling fees; cardholders can also withdraw cash from overpayments through CCB outlets or self-service equipment, and there is no handling fee for overpayment withdrawals from local branches. (Note: Since the Dragon Card E payment card does not have a physical card, when withdrawing cash, you can use "Dragon Card Cloud Quick Pass" to withdraw cash from the main credit card account through contactless methods at ATMs marked with the UnionPay "Quick Pass" logo).

2. Overpayment: After calling 95533, press the # key, select "3 Credit Card Services", and handle the refund of overpayment to the debit card through manual service.

(In case of business changes, please refer to the actual situation.)

What does CCB overpayment mean?

CCB overpayment refers to CCB credit card customers For funds overpaid during repayment or funds deposited in a credit card account, a certain amount of fees will be charged for withdrawing 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.

Notes on overpayment of CCB:

1. Overpayment is a credit card deposit, and the bank will not calculate interest. This is completely different from that of a debit card.

2. Credit card cash withdrawals require fees 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 machine withdrawals are basically charged for cash withdrawals. The handling fee is usually 0.5 of the cash withdrawal amount, with a minimum of 5 yuan; the handling fee for overseas cash withdrawals is higher;

(2) If there is an "overpayment", withdraw money from an ATM machine , you will still be charged cash withdrawal fees according to 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.

Overpayments on CCB credit cards refer to the money that cardholders add to their CCB credit card accounts during repayment, or the money that is deposited in their credit card accounts.

Although the overpayment on the CCB credit card is the cardholder's own money, it will be counted as a cash withdrawal for the overpayment on the credit card. Non-provincial counterparts need to bear a certain handling fee for cash withdrawals, but there is no interest on cash withdrawals.

Because depositing money into a credit card account will not generate income, and it is inconvenient to withdraw it, it is not recommended that you repay more or deposit money into a credit card.

What is the overpayment of China Construction Bank credit card?

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

Note: Credit cards are not debit cards. Do not deposit deposits into your credit card account when there is no outstanding balance. Of course, you can use it for future card purchases. Otherwise, a certain handling fee will be charged when you withdraw the deposit.

How to claim overpayment from China Construction Bank credit card:

If you have deposits in your card, you can withdraw cash through the following methods and no cash handling fee will be charged.

Local overpayment withdrawal of our bank: Just withdraw the overpayment at a Construction Bank outlet or self-service terminal in the province where your China Construction Bank credit card issuance bank is located, and you will be exempted from the cash handling fee.

Relevant regulations on the recovery of overpayments from China Construction Bank credit cards:

1. The overpayments that you deposit in the card or pay during repayment are not subject to deposit interest. If you withdraw an excess payment of more than RMB 2,000 on the same day, you must go to the counter of a China Construction Bank branch with your card and valid ID.

2. If you have overpayment and need to withdraw it, please call the China Construction Bank credit card service hotline to apply. China Construction Bank will remit the overpayment to the cash you opened at China Construction Bank. account.

What does CCB overpayment mean?

CCB overpayment refers to CCB credit card overpayment. Credit card overpayment is the amount that the cardholder transfers to the credit card that exceeds the credit limit. Funds and overpayment are generally the extra money left by the borrower to repay the credit card. When using the credit card again, the overpayment can be directly used to swipe the card for consumption. In addition, there is a handling fee for withdrawing the overpayment from the CCB credit card, and the handling fee is based on the overpayment. 1% of the payment withdrawal amount will be charged, with a minimum charge of 2 yuan per transaction and a maximum charge of 100 yuan per transaction. There is no handling fee for withdrawals from the same bank in the same city.

1. CCB Mobile Banking Transfer Limit

1. The daily transfer limit of CCB Mobile Banking is. For mobile banking dynamic password card users, the single payment limit is 3,000 yuan and the daily cumulative payment limit is 3,000 yuan. yuan, u-shield users: the single payment limit is 200,000 yuan, and the daily cumulative payment limit is 500,000 yuan.

2. For CCB online bank transfer (ukey), the single transfer limit is 500,000, and the daily maximum limit is 5 million. For CCB online bank transfer (dynamic password card), the single transfer limit is 200,000, and the daily maximum limit is 500,000.

3. The CCB mobile banking transfer limit system defaults to 200,000 yuan. If you need to adjust it, you must bring your ID card and card to the bank counter to apply, explain the transfer limit that needs to be modified, and just fill in the form. . You can also call the CCB customer service hotline, 95533, and follow the prompts to transfer to manual service and explain the modified amount.

Operating environment: Mobile phone model: Huawei p40pro, software name: CCB Mobile Banking APP, version: 5.5.9.

2. Transfer limit

The transfer limit refers to the maximum amount when a wealth account transfers to other accounts except associated cards and agreement accounts. If the transfer limit is exceeded, the transfer instruction will not be executed.

Features:

1. There is a single transfer limit and a total monthly transfer limit.

2. The system’s default single transfer limit and total monthly transfer limit are 10,000 yuan.

3. Customers can set their own transfer limits. The setting methods include bank counters and wealth account professional versions, which must be verified by ID card.

Operating environment: browser computer: macbookpromos14 open google version 92.0.4515.131)

3. CCB cannot transfer:

1 Not signed up for CCB Palm Banking . When using CCB Mobile Banking to transfer funds, you must bring your CCB bank card and ID card to a CCB outlet to sign a contract. Only after signing the contract can you use all the services provided by CCB Mobile Banking. Otherwise, you can only use functions such as inquiry, account management, payment, and branch search.

2 The account status is abnormal. Transfer operations are not allowed when the account is frozen, stopped, etc. The household owner can dial 95533 and select "Personal Business" to enter manual service. After the staff verifies the identity, the card status will be checked and the abnormal status will be resolved.

3Transfer limit exceeded. China Construction Bank Mobile Banking has a single/single-day transfer limit. Transfer operations cannot be performed if the limit is exceeded. The household owner can bring his ID card and bank card to a China Construction Bank branch to apply for a security authentication tool. After processing, the transfer limit can be adjusted.

This concludes the introduction to CCB credit card overflow and CCB card overpayment. Have you found the information you need?