In addition to giving priority to credit card overpayment, you can also use it in the following ways:

1. RMB overpayment: RMB overpayment can be transferred to our savings account or credit card through the "credit card-cash transfer" function of mobile banking/online banking and outlets, ATMs and intelligent teller machines, and the overpaid funds can be transferred to our city account without handling fees;

Cardholders can also withdraw the overpaid cash directly through CCB outlets or CCB ATMs, and local banks are free of handling fees and interest (note: Longka e-payment card has no physical card, and cash can be withdrawn from the credit card main account in a non-contact way through "Longka China UnionPay Express" on the ATM marked with UnionPay "Flash Payment" sign).

2. Overpayment of foreign currency: After dialing 95533, press the No.2 key to return the overpaid foreign currency to the debit card through the credit card manual service.

? Extended data:

1, credit card overdraft interest.

Credit card overdrafts do not enjoy the interest-free period, and interest will be calculated on a daily basis and compound interest on a monthly basis from the date of entry. Our interest rate benchmark is 0.5 ‰ per day, and the upper and lower limit standards are set in strict accordance with the relevant regulations of the People's Bank of China, and will be adjusted in time according to regulatory requirements. The interest-bearing date is calculated from the cash withdrawal bookkeeping date to the repayment date. ?

2. Credit card domestic withdrawal amount/limit

Generally, the overdraft withdrawal of a credit card does not exceed 50% of your credit limit (cash withdrawal, cash transfer and cash sharing by installments), and does not exceed the current available credit limit of the card. Overdraft cash withdrawal does not enjoy interest-free repayment.

According to the regulations of the People's Bank of China, the cumulative cash withdrawal amount of counter channels and self-service machines (such as ATM) channels per card day does not exceed 30,000 yuan, of which the daily overdraft withdrawal limit of counter channels is 20,000 yuan, and that of self-service machines (such as ATM) channels is 1 10,000 yuan.

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