The extra money stored in the credit card can be put on the credit card without taking it out, and then the credit card can be used normally. The repayment amount generated by the next bill can be deducted from the overpayment. But the disadvantage of this is that the money lying on the credit card becomes dead money and cannot generate interest. For the money returned by credit card, some banks can withdraw it directly without handling fees, but most of them are limited to local banks. For example, ICBC, China Construction Bank, Bank of China, Bank of Communications, Minsheng Bank and other banks have overpaid credit cards, and local banks (counters or ATMs) do not charge fees for withdrawals.

Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.

In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.

The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.

Main features:

1. Cash advance deposit is not encouraged. You can enjoy an interest-free repayment period and can repay in installments (minimum repayment amount). Join VISA, MasterCard, JCB and other international credit card organizations, which are universal.

Second, it is one of the fastest-growing financial services, and it can replace the traditional cash circulation in a certain range.

Third, it has two functions: payment and credit. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers.

Fourthly, it is a high-tech product integrating financial business and computer technology.

Five, can reduce the use of cash currency.

Six, can provide settlement services, convenient shopping and consumption, enhance the sense of security.

Seven, can simplify the collection procedures, save social labor.

Eight, can promote commodity sales and expand social demand.

How to withdraw the extra money from the credit card?

You can withdraw more money from your credit card at ATM or bank outlets.

Credit cards can deposit money, but standard credit card deposits have no interest, and there is a handling fee for taking out the deposited money (this situation is called over-payment recovery).

For the overpayment, banks charge different fees, ranging from 0.5% to 3%, from 1 yuan -30 yuan to 50 yuan -500 yuan. Some banks even charge the lowest fees, and the highest fees are not capped. Cardholders need to pay a fee if they want to withdraw extra deposits.

Extended data

The biggest difference between credit cards and ordinary debit cards is that credit cards can be consumed without deposits, with an interest-free period of up to 56 days, while ordinary debit cards must deposit a certain amount before consumption. Credit cards can also be overdrawn for cash withdrawal, but this is equivalent to expanding the circulation of base currency, so there is a handling fee, which is called "overflow deposit" in bank jargon.

Simply put, a credit card is a bank card for overdraft consumption. You can use a debit card if you want to withdraw cash for free. Like MAGGIE, deposit a sum of cash in the credit card first and then withdraw it. By default, credit card means that the cash deposited can only be used for consumption or repayment of consumption, and the act of withdrawing cash is still regarded as overdraft.

What if there is too much money in the credit card?

You can use a credit card, and you can withdraw cash if you pay more. < br 1。 Users can spend by credit card, and the extra money saved by credit card belongs to overpayment. As long as customers spend money by credit card in the future, the overpaid part will naturally be given priority. After using the overpaid part, credit card consumption will be deducted. If there is any surplus after spending by credit card, it will be deducted when repaying later. < < br2。 Users can withdraw the overpaid part and operate it through online banking/mobile banking client/credit card APP, or they can go to ATM machines in nearby business outlets.

Can I withdraw extra money from my credit card?

You can take it out. You can withdraw more money from your credit card at ATM or bank outlets.

Generally speaking, credit card can be used to deposit money, but it is not recommended to deposit money with credit card, because the standard credit card deposit has no interest, and the deposited money needs to pay a handling fee.

If you need to withdraw the excess payment, you can call the customer service hotline of the credit card center or go to the counter of the outlet to transfer the excess money to the debit card; Or withdraw cash through ATM machines and counters; If the credit card has online banking, you can transfer the money to his debit card through online banking. The handling fee of each bank is different, and the daily limit is less than 2000 yuan.

Credit card product category:

According to different card issuers, it can be divided into bank cards and non-bank cards.

Bank card. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or they can withdraw cash at any time at the outlets of the issuing bank or at places with ATMs.

Non-bank card. This kind of card can be divided into retail credit card and travel entertainment card.

Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are specially used for shopping in designated stores or filling gas stations. , and settle accounts regularly. Travel and entertainment card is a credit card issued by airlines, travel companies and other service industries, which is used for ticket purchase, dining, accommodation, entertainment and so on.

According to the different issuing banks, it can be divided into corporate cards and personal cards.

Company card. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, state party and government organs, armed forces, organizations and other legal person organizations.

Personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. The personal card is applied in the name of an individual and bears all the responsibilities for its use.

According to the credit status of cardholders, it can be divided into ordinary cards and gold cards.

Ordinary card. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and the requirements are not high.

Gold card. Gold card is an advanced credit card that pays a high membership fee and enjoys special treatment. Card issuers are institutions with high credit, strong repayment ability, credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are wider, so the requirements for related service fees and deposits are higher.

According to different payment methods, credit cards can be divided into credit cards and quasi-credit cards.

Credit card. That is, when the issuing bank provides bank credit, it overdraws first, and then repays or pays in installments. Most of these cards are used for international circulation. In other words, the way to allow cardholders to pay off their credit card accounts is "consume first, then deposit". Most of these cards are used for international circulation.

Quasi-credit card It is a credit card issued by a bank, which deposits first and then consumes. When applying for a credit card, the cardholder needs to deposit a certain amount of money in the issuing bank in advance as a backup. The cardholder needs to use the card on the basis of the deposit balance, and generally no overdraft is allowed.

According to the different circulation scope of credit cards, they can be divided into international cards and regional cards

International card. International card is a kind of credit card that can be used outside the issuing country and is universal. MasterCard, VISACard, AmericanExpressCard, JCBCard and DinersClubCard issued by five overseas groups (MasterCard, Visa International, American Express Card and DinersClubCard) are mostly international cards.

Area card.

Regional card is a kind of credit card that can only be used in the country or region where the issuing bank is located. Most credit cards issued by commercial banks in China belong to regional cards.

What if there is too much money in the credit card?

1. If China Merchants Bank has a credit card, if there is no debt, pay more with the credit card, or pay it manually on the repayment date after automatic repayment with the credit card. The overpaid amount can be used by credit card or online payment. Or get back the overpaid part after 2 days of repayment.

2. If your credit card is in arrears, the transfer amount will be automatically deducted from the credit card arrears.

Three, charge credit card overpayment, fees include:

1, get it back for free through the handheld life client;

2. For manual retrieval by telephone, the handling fee is 0.5% of the retrieval amount, with a minimum of 5 yuan RMB or USD 65,438+0 for each retrieval. At present, our bank offers preferential treatment, with a maximum of 50 yuan RMB or US$ 65,438+00 per transaction;

3. If the overpaid part is withdrawn through the cash advance channel, the cash advance fee will be charged;

Corporate card holders can get back their one-card for free.