Take CCB as an example: you can use mobile banking (Apple 12, ios14 CCB 5.6.0), personal online banking (macbook pro mos14 to open google version 92.0.4515.131) "Credit Card - Cash Transfer" function and branch counters . The self-service equipment can transfer the RMB overpayment to the bank's savings account or other credit cards. The overpayment funds can be transferred to the bank's account in the same city without handling fees. Cardholders can also handle overpayment through CCB outlets or self-service equipment. For cash withdrawals, there is no handling fee for overpayment withdrawals from local banks.

The definition of overpayment:

Overpayment is a Chinese vocabulary, and the pinyin is yì jiǎo kuǎn. Refers to the funds that credit card customers overpaid when repaying or the funds stored in the credit card account. A certain amount of fees must be paid to withdraw the overpayment. This amount can increase the available limit of your credit card or be used directly for consumption repayment. If there is an overpayment on the credit card, the overpayment will be deducted first and then the credit limit. If the overpayment is greater than the consumption amount, there will be no overdraft. No interest is accrued on overpayments.

In fact, banks do not encourage cardholders to charge money to their credit cards because credit cards adopt a consumption-first-repayment model. Therefore, the bank stipulates that a certain handling fee will be charged for overpayment withdrawal. At the same time, the handling fees for withdrawing cash from credit card overpayments vary from bank to bank.

Definition of credit card:

Credit cards are divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the card-issuing bank gives the cardholder a certain credit limit, and the cardholder can consume within the credit limit first and repay later. A quasi-credit card refers to a credit card in which the cardholder first deposits a certain amount of reserve fund as required by the bank. When the reserve fund is insufficient to pay, the cardholder can overdraw within the credit limit specified by the card-issuing bank.

(1) Credit card

Credit card, often called a credit card, refers to a certain credit limit granted by the issuing bank to the cardholder. The cardholder can A credit card where you spend money within your credit limit first and pay back later. It has the following features: consume first and repay later, enjoys an interest-free payment period (up to 56 days), and has a minimum repayment amount. Customers can repay in installments if they have overdrafts. Customers need to pay a certain amount of annual fees to the bank they apply for, which differs from bank to bank.

(2) Quasi-credit card

A quasi-credit card is a single-currency, single-account credit card with interest-bearing deposits and card consumption settled in RMB. It has transfer settlement, deposit Cash withdrawal, credit consumption, online banking transactions and other functions. When the account balance is insufficient for payment by swiping the card for consumption or cash withdrawal, the cardholder can overdraft consumption or cash withdrawal within the prescribed limited credit limit and charge a certain interest