After overpayment occurs on your credit card, you can withdraw it directly from an ATM machine or bank counter.

1. Excess charges on your credit card can be withdrawn directly from the ATM. After inserting the card into the ATM and entering the PIN, the current overpayment amount on the card can be checked and the user can choose to withdraw money directly. Note that some banks charge abuse fees, so it's better to spend your money directly on misused credit cards. Overpayments will not be withdrawn and can be used or used to pay credit card bills, but no interest will accrue during this period. The first option is direct consumption. If the overcharge on your credit card is very small, it is naturally the best way to spend it. The next time you use your credit card, you'll use up the extra money first. At the counter or ATM.

2. If the credit card overpayment amount is small, it is not recommended to withdraw money. Because there will be a handling fee for withdrawals. Pay more domestic withdrawal fees. The commission is 0.5% of the transaction amount, with a minimum of 10 yuan. An additional 2 yuan will be charged for inter-bank withdrawals. For overseas withdrawals, 0.5% of the transaction amount will be charged, with a minimum of 20 yuan. Third, cash transfers. Overpayments can be transferred directly to a bank card at my counter or to designated self-service machines. Now it can be seen that only the first and third methods are the best and do not incur any cost.

3. Of course, it’s up to you to decide which method to use. But we need to pay attention to the regulations of credit cards. ATM withdrawals basically charge cash withdrawal commissions. The usual standard is 0.5% of the withdrawal amount, with a minimum charge of 5 yuan. Overseas withdrawal fees are higher, please see your bank for details. If you overpay when withdrawing money from an ATM, you will still be charged a cash withdrawal fee based on the standard credit card withdrawal fees. In this case, the cardholder can reduce the charges by transferring the overpayment to a debit card of the same name from any bank.

: For overpayments, it is recommended to consume directly. After all, daily consumption also requires swiping a card. The third method is generally not recommended if you are not in urgent need of cash or have a large amount of funds. According to the provisions of most banks' credit card contracts, if there is no deposit in the credit card, the overpayment will not enjoy deposit interest, but a certain handling fee will be paid when withdrawing it.