How to refund the money returned to the credit card

The money refunded to the credit card will be used as an overpayment of the credit card, so it is necessary to pay attention to whether the refund occurred before or after the bill date. If it is consumed before the bill date, the refund will offset part of the repayment on the repayment date of the current month; For the consumption after the bill date, the refund will offset the bill generated on the bill date, and this consumption needs to be returned after the next bill sunrise.

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1. Overlimit fee refers to the additional overdraft amount given by the bank after the cardholder reaches the total overdraft amount of the credit card, which is generally 1% of the original overdraft amount. This has the advantages that: the cardholder does not need to temporarily apply for a higher quota or cannot swipe the card; The disadvantage is that the cardholder has to pay an overrun fee of 5% over the overdraft limit.

2. In order to avoid being charged by the bank, some cardholders apply to the bank for a temporary increase in overdraft limit, with an increase of 1%-2%, usually for one month. After the specified time, the credit card is restored to the original limit. Therefore, the cardholder must remember the term of the temporary limit to avoid the phenomenon of overdue credit card repayment. In addition, we should also pay attention to the problem of exceeding the limit of the temporary increase: if the overdraft is used in the second half of a month, it is likely that the excess will result in an overrun fee. For example, A's credit card overdraft is 5, yuan. On December 2th, he applied to the bank to increase the temporary limit by 3, yuan, but he didn't use the 3, yuan until January 15th. By January 2th, A's credit card overdraft was automatically reduced to 5, yuan. In fact, A overdrawn 8, yuan in January, and the 3, yuan between them would generate 5% overrun fee. Therefore, before the credit card overdraft limit is automatically reduced to the original limit of 5, yuan, the cardholder should first return 3, yuan and control the unpaid amount within the overdraft limit of 5, yuan, so as to avoid paying the over-limit fee.

3. The bank financial planner also reminded that, in view of the large amount of credit card spending during the Spring Festival, cardholders should pay special attention to the last repayment date of the credit card, which is the last day of the interest-free repayment period. Before that, the repayment will be interest-free. If it is overdue, all the consumption funds will no longer enjoy the interest-free repayment treatment. The bank will calculate the interest on a daily basis with the consumption amount as the principal, with a daily interest rate of five ten thousandths and a monthly compound interest, and add a late fee.

4. Credit card late payment refers to the fact that when the actual repayment amount of the credit card is lower than the minimum repayment amount on the due repayment date, the cardholder has to pay a late payment fee for the unpaid part of the minimum repayment amount, which is generally 5% of the unpaid part of the minimum repayment amount. However, due to different bank policies, the minimum amount is different. Therefore, cardholders who have a large overdraft during the Spring Festival holiday must keep in mind the last repayment date after receiving the bill and try to pay off all the expenses before the due repayment date. If you really can't afford it, apply for installment repayment or adopt the minimum repayment method as soon as possible to avoid being penalized by the bank.

5. People who have no economic income, such as students, should not apply for credit cards easily. Even if they don't use credit cards, they should bear annual fees and other items. Holders of credit cards give up the use of credit cards and go through the formalities of returning the cards in time. Otherwise, the expenses of credit cards and the interest and late payment fees generated later will lead to personal economic losses and credit reduction, which will affect mortgages and car loans.

if the refund is returned to the credit card, can the money be withdrawn?

if the credit card bill is returned to the account on a single day, the cardholder must repay it with his own money because the current arrears cannot be deducted, so the refunded money can easily become overpayment. Cardholders can withdraw cash directly, which is often found. The refund is returned to the credit card, and the money can be taken out after the repayment has been completed.

However, this money is considered as an overpayment, and it needs to pay a high fee to take it out.

1.

This sum can increase the available credit card limit or be directly used for consumer repayment.

2.

If there is overpayment in the credit card, the overpayment will be deducted first, and then the credit line will be deducted. If the overpayment is greater than the consumption amount, there will be no overdraft.

3.

For example, 9 yuan needs to be repaid in this period, and 1 yuan is actually repaid. The extra 1 yuan is an overpayment.

4.

If you deposit money in the credit card in advance without spending, you can't get this part of the money out. If you want to withdraw it, you will charge a high handling fee, so you should try to avoid it. With the curriculum reform and the promotion of quality education, the teaching materials and test sites of mathematics have also changed, a lot of contents have been streamlined, and the direction, difficulties and abilities of examination have also changed.

Is junior high school mathematics easier now than before?

I don't think so. Although some of the previous contents are not studied now, it seems that the contents are simplified, but the basic framework has not changed. Compared with the previous papers, the difficulty of the present papers is more flexible and changeable, focusing on the examination of students' comprehensive ability and quality. Math problems are more combined with practical problems, which has higher requirements for knowledge transfer and flexible application. Therefore, the difficulty of learning and examination is increasing instead of decreasing, and you can spy on one or two by looking through the papers. The mobile certificate login password is a password of 6-8 digits or letters (letters need to be case-sensitive) set when you activate the certificate. Please recall (there are always 1 chances to try the password. At the same time, the certificate will be automatically invalidated if the input error reaches 1 consecutive times. If you forget your password, and it doesn't work, you have to bring UKEY, account opening certificate and one of the cards associated with the professional version to any China Merchants Bank outlet to re-apply for the certificate. Set a new password (this can't be retrieved directly through the internet or telephone). Generally speaking, if you forget your password and can't remember it, bring your ID card to the bank counter and reset your login password. The ukey password can be used.

What should I do if the credit card refund arrives?

after the credit card is paid off, the refund will still be returned to the account the same way, that is, it will be returned to the credit card. This situation is also called overpayment, which means that the cardholder can put the excess deposit in the credit card to offset it directly the next time he swipes the card, or take it out at the ATM, but there will be a handling fee.

three ways to deal with credit card overpayment

1. If the amount is not large, you can wait for it to be within the credit card limit and use it directly for consumption. The next time you spend, the credit card will deduct the overpayment first.

2. For cash transfer, the overpayment can be directly transferred to the Bank's savings card at the counter or the specified self-service equipment, which may result in handling fees.

3. Cash withdrawal. Generally, cash withdrawal by credit card will generate handling fees and interest, except for overpayment. The excess money saved by credit card can be taken out at the counter, and generally it must be deposited the next day or I am required to bring my ID card to handle it.

The above is an introduction to what to do when the credit card has been paid off and the refund has arrived. I hope it can help you. After the amount in the credit card has been paid off, if you apply for a refund and it hasn't arrived yet, you can contact the merchant to see if you can refund the refund to the bank card in my name.

overpayment is a Chinese word, and the pinyin is y? ji ? oku ? n. Refers to the overpaid funds paid by credit card customers or the funds deposited in credit card accounts, and a certain amount of fees must be paid to take out the overpaid funds. This sum can increase the available credit card limit, or be directly used for consumer repayment. If there is overpayment in the credit card, the overpayment will be deducted first, and then the credit line will 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 charge money into credit cards, because credit cards use the mode of spending first and then repaying. Therefore, the bank stipulates that the overpayment is subject to a certain handling fee. At the same time, the handling fee for cash withdrawal of credit card overpayment is different from bank to bank.

Regarding the handling fee for credit card holders to withdraw "overpayment", the charging bank said that although credit card holders took their own money, they occupied the relevant resources of the bank. Because credit cards are different from ordinary debit cards in handling deposit and withdrawal accounts, and credit cards are used to encourage customers to spend, not to let cardholders use them as savings accounts, so the charges are reasonable. Moreover, "overpayment" does not count interest, in other words, it is not good to "recharge" the credit card in advance and then consume it. If the cardholder wants to increase a certain credit limit, he can apply to the bank customer service center for a temporary credit limit, and there is no need to rely on "overpayment" to increase his spending power.

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

according to the regulations, there is a charge for withdrawing cash from credit cards. The charging problem should be viewed from two aspects:

1) In the regulations on the use of credit cards, the withdrawal fee is basically charged for ATM withdrawals, and the usual standard is to charge .5% of the withdrawal amount at the lowest 5 yuan; The overseas cash withdrawal fee is higher.

2) 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 will reduce the handling fee.

I got a refund when I swiped my credit card. What about the money?

the refund will be returned according to the principle of returning by the same route. If the payment is made by credit card, it will be returned to the credit card, and there is no debt on the card. Then the refund will be kept on the card as an overpayment, and the overpayment will be given priority when swiping the card in the future, and the debt will be automatically deducted if there is debt on the card.

what are the credit card repayment methods?

Credit card repayment refers to returning the bill consumption funds to the bank in order to ensure the cardholder's good credit record when the cardholder's credit card consumption reaches the final repayment date.

1. Repay in full. After the bill is issued on the billing day, it will be paid off in one lump sum. This is the best repayment method, but the funds needed are also quite large. If the bill is 1, yuan, it needs 1, yuan to pay it back.

2. Repay by installment. After the bill is issued on the billing date, the current bill will be repaid in installments, which can generally be divided into 3/6/9/12/18/24 installments. This method has relatively less repayment pressure, but it has to bear a certain installment fee.

3. Minimum repayment amount. When each bank issues another bill, it will give you a minimum repayment amount (1% of the current bill), which is also the most uneconomical repayment method. If the bill amount is large, it will pay a high interest fee. The minimum repayment is to spend more money to ensure your credit information, but it will cost a little extra interest.

what should I do if the credit card is refunded?

the credit card bill has been paid off, and the refund money will be returned to the credit card account. This money can be used to repay the credit card arrears, and can also be used for credit card swiping, cash withdrawal and transfer. Cash deposited in credit card accounts will become overpayment, and some banks need to pay handling fees for overpayment and cash withdrawal, so it will be more cost-effective to use overpayment for repayment and credit card swiping.

in fact, the credit card will be refunded, and before repayment, the refund will be restored to the limit to hedge the bill, and the user does not need to repay this refund amount.

credit card repayment method

within the issuing bank, this method includes: issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. After repayment, the credit card limit will be restored immediately, and the money will generally be recorded after being processed by the system on the same day.

Micro-banking POS mobile phone Micro-banking POS mobile phone is a personal payment terminal of mobile financial system, which can be used for direct credit card repayment and transfer. Immediate arrival!

repayment by transfer/remittance is mainly divided into two ways: inter-bank in the same city and inter-bank in different places. No matter how to transfer or remit money, the remitting bank will charge a certain fee, and at the same time, the time of payment and the convenience of repayment are not as good as those in peers, online repayment and convenience store repayment.

The common online platforms for online repayment in China are UnionPay Online, Kuaiqian, Shengfutong, Alipay and Tenpay. Different platforms and banks are selected, and the charging standards and the specific payment arrival time are different.

Convenience Store Repayment This method mainly completes the repayment through the "Lacarra" smart payment terminal installed in the convenience store. Generally, it takes 2-3 working days to arrive at the account, and no handling fee is charged for repayment in this way.

Counter-to-counter repayment refers to bank cards issued by networked financial institutions, which are used to conduct RMB current deposit and withdrawal transactions through the counters of other bank outlets registered in the host system of UnionPay Exchange Center.

the "xinfutong" smart credit card phone is an innovative electronic product independently developed by China unionpay, certified by the bank card testing center, and supported by financial services provided by the inter-bank information exchange network of China unionpay.

Repayment Pass uses "Repayment Pass" for repayment, and the fees are generally charged according to the charging standards for inter-bank transfer in the same city and inter-bank transfer in different places stipulated by the local People's Bank.

in addition to the above-mentioned methods, the issuing bank has also opened its own repayment methods for the convenience of cardholders.

that's enough for the introduction of how to refund the credit card.