Overpayment is a Chinese word, and its pinyin is y Θ ji Θ o ku Θ n, which refers to the overpayment paid by a credit card customer or the funds deposited in a credit card account. You must pay a certain fee to take out the overpayment.

The overpaid part can be withdrawn free of charge to the local savings card through online banking, or through the local ATM. Agricultural Bank of China: Overpayment can only be used for "withdrawal" of ATM machines, and transfer fees are charged. Construction Bank: The overpaid part can be withdrawn free of charge at the local ATM. Bank of China: The overpaid part can be withdrawn to the local savings card free of charge through online banking or local ATM.

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Precautions against overpayment

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

2. Cash withdrawal by credit card is charged according to regulations. The charging problem should be viewed from two aspects:

3. 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.

4. 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. ?