Can be used for consumer repayment
Credit card customers will pay a certain fee to withdraw the overpaid funds when repaying the overpaid funds or the funds deposited in the credit card account. This money can increase the limit of available credit cards, or be directly used for consumer repayment. If the credit card has overpayment, the overpayment shall be deducted first, and then the credit line shall be deducted. If the overpayment is greater than the consumption amount, there will be no overdraft. Overpayment is interest-free.
In fact, banks do not encourage cardholders to recharge their credit cards, because credit cards use the mode of spending first and then repaying. Therefore, the bank stipulates that a certain handling fee should be charged for the overpayment. At the same time, the handling fee for cash withdrawal of credit card overpayment varies from bank to bank.
Extended data
A number of banks, including ICBC, CCB, Minsheng and Huaxia, have cancelled the cash withdrawal fee for credit card overpayments. The staff of the Credit Card Center of ICBC Shaanxi Branch said that it is always free to withdraw the excess amount of the bank's credit card at the counter and ATM.
Most banks charge 0.5%~3% handling fee for credit card overpayment and cash withdrawal, and it is "not capped". Banking industry insiders suggest:
1. First of all, the cardholder must read the relevant terms carefully when handling the card.
2. Secondly, try to repay in full according to the bill, or do a debit card associated with a credit card for automatic deduction. In addition, for the "overpayment" that has already occurred, try to digest it with credit card consumption. If you need to withdraw the overpaid money, don't use a credit card to withdraw it directly from the ATM.
Mobile banking and online banking are cheaper than counters and self-service equipment. Cardholders can transfer the overpaid money to debit cards and use them to withdraw money, thus saving money.
Baidu encyclopedia-overpay
Phoenix. com-Pay by yourself, pay by yourself. Many banks cancel the fee for overpayment of credit cards.
What if the credit card is refunded twice?
If the credit card has been repaid repeatedly, once the repayment is successful, it cannot be withdrawn, and the excess will become credit card overpayment, which can be directly put into the credit card account to offset the repayment amount of future bills; If you want to take it out, you may have to bear part of the handling fee. Only some banks are free, such as Agricultural Bank of China, Guangfa and Minsheng.
If the customer forgets that his credit card has been repaid and repays again, the bank will not return the excess money, but stay in the card and become overpaid. After that, if customers spend by credit card, they will give priority to the overpaid part, and then spend the credit card amount after the overpaid part is used up.
However, if the overpayment is not used up by the credit card, the banking system will deduct the remaining overpayment for repayment on the repayment date after the next bill of the card comes out, provided that the customer has signed an automatic repayment agreement. And if the remaining overpayment can't be deducted from the next bill, the customer still has to pay back the rest of the bill after deducting the overpayment.
Credit card repayment means that when the cardholder's credit card consumption reaches the final repayment date, in order to ensure the cardholder's good credit record, the bill consumption funds will be returned to the bank. The repayment methods mainly include: issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. The credit card limit will be restored immediately after repayment, and the money will generally be recorded after being processed by the system on the same day.
Convenience store repayment is mainly completed through the "Lacarra" smart payment terminal installed in the convenience store. Generally, it will arrive in 2~3 working days, and there is no handling fee for repayment in this way.
If the overpayment remains after deducting the bill, it will be deducted when the customer swipes the card until the overpayment is used up. Everyone needs to pay attention to the fact that some overpayments are useless, resulting in bad debts. However, customers can actually withdraw the overpayment by themselves.
It is best to repay the credit card according to the bill amount. Don't repeat the operation, so as not to bring yourself unnecessary trouble. Repay through the official channel of the issuing bank, and the amount will be restored in real time.
[img] What should I do if my credit card repays too much?
1, as the next repayment: the overpaid amount can be put on the credit card without withdrawal, and then the credit card can be used normally, and the repayment amount generated by the next bill can be deducted from the overpaid amount. But the disadvantage of this is that the money lying on the credit card becomes dead money and cannot generate interest.
2. Some banks can withdraw cash directly: some banks can withdraw cash directly, and there is no handling fee for the money returned by credit cards, but most of them are limited to local banks. Such as ICBC, China Construction Bank, China Bank, Minsheng Bank and other banks, there is no handling fee for handling credit card overpayments at local banks (counters or ATMs); The local bank of Shanghai Pudong Development Bank stipulates that retrieval is free of handling fee, and our bank will charge 0.5% handling fee for ATM retrieval, with the lowest fee of 5 yuan. If it is not a bank to withdraw cash, a certain handling fee may be charged. For example, ICBC charges each 2 yuan across banks; China Construction Bank charges 1% handling fee for picking up goods in different places, with the lowest 2 yuan and the highest 50 yuan;
3. Online banking transfer of some banks: If you accidentally overpay, some banks can transfer money to their savings cards through online banking in addition to ATM and counter cash withdrawal. Different banks will have different policies for overpaying online banking transfers. The cardholder can call the customer service phone of the bank for details.
4. Next repayment. If there is still a lot of money in the credit card, you can also leave the money in the card and wait for the next repayment. In this case, you don't have to worry about the next repayment, and you can safely overdraw in advance.
5. Transfer and remit money. If there is extra money in the credit card, you can also transfer the extra money to other bank cards through the transfer function of the credit card. In this case, there is generally no handling fee, which can save some trouble.
This is the end of the introduction on how to deal with the repeated repayment of credit cards and bank cards. I wonder if you have found the information you need?