Can be taken out

Credit cards are very convenient to use and can be swiped out when you need money.

1. The extra money deposited in the credit card can be withdrawn, but there will definitely be a handling fee. The cardholder will deposit extra money when repaying, or the amount of money owed in the credit card will be withdrawn. Overpayments, as the name suggests, are overpayments. This part of the money can be withdrawn. Of course, it can also be used directly for consumption, or it can increase the available limit of the credit card. However, if you need to withdraw it, you need to pay the corresponding amount. Handling fee, no interest.

2. If there is an overpayment on a credit card, the credit limit will be increased. In fact, this is also very helpful to consumers. When consumers consume, they first deduct this part of the money, and then deduct the credit limit after the overpayment is deducted. When the consumption level is less than the overpayment, there will be no overdraft on the credit card.

3. In addition, we need to understand the relevant precautions when using credit cards. Many people say that it is easy to forget to repay when using a credit card. Indeed, when the repayment date comes, the payment has not been made, which is called overdue. Late repayment will definitely have an impact on your personal creditworthiness, and your credit limit will also be affected to a certain extent. A better way is to set up automatic repayment in advance, so that you can repay the money before it is due and you won't have anything to worry about.

4. When using a credit card, you must not use it all at once. You must have a reasonable consumption and use it within your own ability. This will not cause you more trouble in the future. At the same time, It will also reduce the stress of repayment. In short, although using a credit card is very convenient, you must not forget the relevant usage skills and precautions.

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If a customer accidentally deposits money into a credit card, the money deposited will form an overpayment, and the overpayment can be withdrawn.

If it is an overpayment in RMB, the customer can directly transfer the overpayment in RMB into his own savings account through the cash transfer function of mobile banking/online banking. If it is an overpayment in foreign currency, you can call the bank and use manual service to refund the overpayment in foreign currency to your debit card. Of course, if there is a business branch of the card-issuing bank near where you work or live, customers can also go to the branch to handle cash withdrawal procedures.

Everyone needs to note that some banks do not require handling fees for overpayment withdrawals. For example, China Construction Bank stipulates that there is no handling fee for transferring overpayment funds from credit cards to accounts in the same city of the bank; overpayments from local banks are free of charge. There is no handling fee for cash withdrawals, and no interest is charged for overpayment withdrawals.