If you deposit money into your credit card in advance without consumption, this part is an overpayment. This part of the money cannot be withdrawn. If you want to withdraw it, a high handling fee will be charged. Therefore it should be avoided as much as possible. No interest is accrued on overpayments.

There is no charge for depositing extra money, but you will be charged when you want to withdraw the extra money.

It is understood that currently only China Guangfa, ICBC, China Construction Bank and Minsheng are free of charge for overpayment, and the remaining banks will charge a 0.5% fee.

1. How to withdraw the excess deposit from CCB credit card?

1 The excess deposit of CCB credit card can be used for online and offline consumption, and the excess deposit will be deducted first when making consumption;

2 Online can be used through the "Credit Card" of CCB Mobile Banking or Online Banking —The "Cash Transfer" function will transfer excess deposits to a savings account or credit card under your own name at CCB. There is no handling fee for transferring excess deposit funds to a CCB intra-city account;

3. You can go to the outlet counter offline , ATM machines, and smart teller machines will transfer the excess deposit to a savings account or credit card in the name of CCB. Or you can withdraw cash from overflow deposits at CCB branch counters or ATMs. There is no handling fee for overflow deposits and cash withdrawals where the credit card is opened.

In summary, the excess deposits of CCB credit cards can be spent through consumption, the "cash transfer" function of online CCB mobile banking or online banking, as well as offline CCB branch counters, ATM machines, and smart teller machines. Withdraw the excess deposit. In addition, overflow deposits in foreign currency must be refunded through credit card manual service by calling 95533.

2. Can overpayments be repaid directly?

Can overpayments be repaid directly? What exactly is going on?

It is recommended to adopt overpayment which can be repaid directly. According to the bank credit card management center's regulations on overpayments, currently some banks' overpayments can be automatically repaid directly to the next bill, but there are still some banks that do not support direct automatic repayment of overpayments. If the user wants to use the overpayment directly for repayment, he or she needs to consult the card-issuing bank whether it supports this operation.