How to refund the overpayment on the credit card

If the overpayment on the credit card becomes an overpayment, the user can directly withdraw the overpayment. . If the repayment funds have not turned into overpayments, then the user needs to retain relevant evidence of the two repayments. After submitting the evidence to the bank, it proves that there is a repeated deduction. After the bank verifies that it is correct, the repayment usually takes a few working days. The funds will be returned via the original route.

Therefore, there are two ways to solve the problem of heavy credit card repayments. Although overpayments can be withdrawn directly, some banks require payment of handling fees for overpayment withdrawals.

1. Serve as the next repayment: The overpayment amount does not need to be taken out, but is placed on the credit card, and then the card can be used as normal for consumption. The repayment amount for the next bill can be used as the overpayment amount. deducted from the amount. But the disadvantage of this is that the money becomes dead money when it is left on the credit card and cannot accrue interest.

2. Some banks can directly withdraw cash: For the overpayment on credit cards, some banks can directly withdraw cash without handling fees, but most of them are limited to local banks. For example, ICBC, China Construction Bank, Bank of China, China Minsheng Bank and other banks have no handling fee for withdrawing overpayment from credit cards at local branches (over the counter or ATM machine); the local branch of Shanghai Pudong Development Bank stipulates that there is no handling fee for withdrawing money from the bank's ATM machines. There is a 0.5 handling fee for retrieval, with a minimum charge of 5 yuan. If you withdraw cash from someone other than our own bank, a certain handling fee may be charged. For example, ICBC charges 2 yuan per transaction for inter-bank withdrawals; China Construction Bank charges 1 handling fee for cross-bank withdrawals, with a minimum of 2 yuan and a maximum of 50 yuan;

3. Online banking transfer of some banks: If you accidentally overpay, some banks can also transfer funds to their bank savings cards through online banking in addition to withdrawing cash from ATMs and counters. Different banks have different policies for overpayment online banking transfers. Specific cardholders can call the bank's customer service number to ask

4. Next repayment. If you have more money on your credit card, you can also leave the money in the card and wait for the next repayment. In this case, you don’t have to worry about the next repayment, and you can confidently and boldly spend overdraft in advance. .

5. Transfer and remittance. If you have too much money on your credit card, you can also use the transfer function of your credit card to transfer the excess money to other bank cards. In this case, there will generally be no handling fees and you can save some trouble.

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What should I do if I overpay on my credit card?

If I overpay on my credit card, then the card holder People only need to swipe their cards to make purchases. Because overpayment will form an overpayment on the card, and when cardholders swipe their cards to make purchases, the overpayment will generally be deducted first, and then the credit limit of the card will be deducted. In the next billing month, the overpayment can be used as repayment.

Of course, cardholders can also choose to withdraw the extra money they have paid into the card or transfer it to a debit card. However, some banks may need to charge a fee for withdrawing cash or transferring funds from the credit card overpayment. There is a certain handling fee. It is recommended that you first understand the charging standards of each bank, and then decide whether to withdraw the overpayment from your credit card or make a transfer.

Extended information:

1. Can you withdraw cash with a credit card?

Of course you can withdraw cash with a credit card. You can directly go to a UnionPay deposit and withdrawal machine to withdraw money. The withdrawal limit is half of the credit card amount. If your trust limit is 50,000, you can only withdraw up to 25,000. And the interest is also very high. Bank of Communications is 0.5 per day, which means that if you withdraw 1,000 yuan, it is 15 yuan per month. Interest is calculated on a daily basis, starting from the day you withdraw cash.

2. How to withdraw cash from a credit card to a bank card?

If you want to withdraw the credit limit in your credit card to a bank card in your name, the customer only needs to find the credit card on the personal account page of the card-issuing bank's online banking or mobile banking client or credit card APP, and choose to withdraw cash. You can use the option to borrow cash in advance and select a savings card to transfer it to.

3. The correct method of withdrawing cash with a credit card

1. The correct methods of withdrawing cash with a credit card are: withdrawing cash from an ATM machine, withdrawing cash at a bank counter, and applying for advance loans through online banking and mobile banking. Cash business. The cash withdrawal limit of a credit card is limited. Generally, the cash withdrawal limit is half of the credit limit of the credit card. There are only a few credit cards where the cash withdrawal limit is 100 of the credit limit.

2. When the user uses the credit limit of the credit card, the cash withdrawal limit will be reduced accordingly. Therefore, when the cash withdrawal fails, it may be caused by insufficient cash withdrawal limit.

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4. The specific credit card repayment period and penalties are as follows:

1. Pay off in full, No fees will be incurred;

2. Credit cards generally have a three-day grace period after the repayment date, and repayment within the grace period is deemed to be repayment on time;

3. Pay the minimum If the repayment amount is exceeded, the daily interest needs to be calculated, starting from the consumption recording date;

4. If the repayment exceeds the grace period or the repayment amount is less than the minimum repayment amount stipulated by the bank, it will be considered overdue. Interest is calculated from the accounting date, and a late payment fee of 5% of the unpaid portion of the minimum repayment is charged on a monthly basis;

5. The specific daily interest rate may be different for various credit cards.

What should I do if I have too much money on my bank credit card?

1. Regarding the overpayment on my bank credit card, there are several ways:

2. 1. : If you are in a hurry to use cash, you can go to an ATM to withdraw the excess money. However, credit card cash withdrawal fees will definitely be charged during this period. Even if you withdraw some of the extra money and pay it back, you will still be charged for credit card cash withdrawals.

3.2: If you are not in a hurry to use cash, you can save it in a credit card, but there is no interest. In this way, the next time you swipe the card, as long as it does not exceed the amount you saved, you don’t have to pay back the credit card money. Oh, it's more worry-free, but the disadvantage is that it is inconvenient to withdraw money from the credit card and there is no interest.

4. Summary: It doesn’t matter if you pay more on your credit card. This part of the money can be included in your credit card account, and you can pay less when you make your next purchase. But when you save money in a credit card, the bank is No interest will be charged, but cash withdrawals will be charged according to credit card withdrawals.