It can be transferred, but it is not recommended because there will be a handling fee for taking it out.

Take the overpayment of handling fees by China Merchants Bank as an example:

When the amount deposited in the credit card exceeds all debts under the account, the extra money is called "overpayment" and subsequent credit card consumption will be automatically deducted.

Cardholders can also call our credit card service hotline and collect the overpayment by transferring the money to the debit card in their own name. The account name and ID number of the debit card used must be the same as the account name and ID number of the credit card, and only China Merchants Bank Card is accepted for the overpayment of USD.

How to get it back: call the credit card service hotline, verify your identity, and press 9 to transfer to the customer service specialist.

Handling fee for recovering the overpayment: 0.5% of the recovered amount, with the lowest 5 yuan RMB or USD 65,438+0 and the highest 50 yuan RMB or USD 65,438+00.

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Introduction to overpayment

Overpayment refers to the excessive payment of funds by credit card customers or the funds deposited in credit card accounts, and a certain fee must be paid to take out the overpayment. 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.

References:

China Merchants Bank-Recovering Overpayment

Baidu encyclopedia-overpay

How to transfer the money from the bank card to the credit card?

Wechat, Alipay and mobile banking can all operate.

There are fees across banks and provinces.

Is it okay to transfer bank card to credit card for repayment?

You can transfer money by bank card to credit card for repayment. When the credit card is not returned, transferring money to the credit card account is equivalent to returning the credit card.

In addition, the automatic repayment of credit cards can be realized by binding credit cards with bank cards, so as to avoid overdue repayment by users. However, it should be noted that although automatic repayment is convenient, you must ensure that there are sufficient funds in the debit card associated with the credit card. Otherwise, the credit card will face a full penalty interest.

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Credit card free repayment method:

1, China unionpay express

Credit card repayment and transfer through the "China UnionPay Express" APP is free.

In terms of credit card bill inquiry, 66 banks including Agricultural Bank of China, Bank of China, China Construction Bank, Postal Savings, China Everbright, CITIC, Pudong Development Bank, Minsheng, Huaxia, Ping An, Guangfa, Xingye, Bank of Beijing and Bank of Shanghai have been launched. Together with credit card repayment, preferential rights inquiry, card application service and mobile phone flash payment, they have created convenient, fast, labor-saving and worry-free credit card services for users.

2. Most card-issuing bank applications

Repayment through China Merchants Bank APP and Pocket Life APP also has three major advantages. First of all, compared with third-party platforms, the return of credit cards requires a process. Different banks have different arrival times. Repayment by using China Merchants Bank APP or Pocket Life APP is not only 0 handling fee, but also 1 second. Secondly, these two apps not only support China Merchants Bank's credit card repayment, but also support other banks' credit card repayment fee of 0.

Finally, if you are worried that the credit card will be overdue due to forgetting to repay, you can also use the prepayment reservation function, as long as you ensure that the debit card with the deduction has the corresponding balance before the repayment date.

People's Daily Online-Don't forget to specify the "various" repayment methods of credit card bills after the holiday.

People's Network-What other channels are there for credit card repayment?

So much for the introduction of bank card to credit card.