If there are more credit cards, customers can overpay and withdraw cash. You can directly transfer more money to your debit card through online banking/mobile banking client/credit card APP operation, or you can take it out at the outlet counter or ATM machine.

Of course, it doesn't matter even if the customer doesn't take out the money. After that, credit card consumption will be given priority. If there is any money left after spending by credit card, the rest can be used to pay off the account.

What is a credit card?

Credit card is a credit certificate issued by commercial banks or credit card companies to qualified consumers.

The form of credit card is a card with the name of the issuing bank, expiration date, number, cardholder's name and other contents printed on the front. Consumers with credit cards can go to the specialized commercial service department for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.

The earliest credit card appeared at the end of 19. In the 1980s, the British clothing industry developed the so-called credit card, followed by the tourism and business sectors. However, at that time, the card could only be used for short-term commercial credit, and the money had to be paid back as needed. There was no long-term default and no credit line. In 1950s, McNamara, an American Manhattan credit expert, dined in a restaurant. Because he didn't bring enough money, he had to ask his wife to send money. This made him feel embarrassed, so he organized DinersClub (English: Diners Club). Members can bring their dining charge cards to 27 designated restaurants for consumption without paying cash. This is the earliest credit card. Franklin National Bank was the first bank to issue credit cards, and other American banks followed suit. .

Another way of saying credit card is that credit card is a non-cash transaction payment method and a simple credit service. Credit cards are generally plastic cards with a length of 85.60 mm, a width of 53.98 mm and a thickness of 65,438+0 mm, which are issued to cardholders by banks or credit card companies according to users' credit and financial resources. Cardholders do not need to pay cash when using credit cards, and make repayment on the checkout date. Except for some credit cards combined with financial cards, credit cards are different from debit cards and ATM cards, and credit cards will not directly deduct money from users' accounts. 20 12 February, the bank confirmed that the credit card is safer without password, and if it is stolen, it will share the responsibility with the bank. Enjoy an interest-free period of 25-56 days (or 20-50 days). Credit card consumption enjoys an interest-free period, and the bill amount is paid off before the due repayment date, without any cost. There is no interest-free repayment period for cash withdrawal, and five ten thousandths of daily interest will be charged from the date of cash withdrawal, and the bank will also charge a certain percentage of cash withdrawal fee.

How to pay back the credit card if it is overpaid?

If the credit card is overpaid, the general bank will not refund it. If you want to withdraw, you can only withdraw by credit card. Banks will charge interest on cash advance, and the cash advance fee of each bank is different.

Generally speaking, when a credit card repays, the excess will be left in the credit card as an overpayment, which can be used normally by swiping the card or for online payment, and the bank will not charge interest. If the credit card is in arrears, this overpayment will automatically offset the credit card arrears.

Extended data:

1. How can I repay my credit card?

1. Credit card repayment is heavy. If the overpaid funds become overpaid, the user can directly withdraw the overpaid funds.

2. If the repayment funds are not converted into overpayment, users need to keep relevant evidence of two repayments. After submitting evidence to the bank, it is proved that there are repeated deductions. After the bank verifies that it is correct, the repayment funds will generally be returned in the same way within a few working days.

So there are two ways to solve the problem of heavy credit card repayment. Although the overpaid part can be withdrawn directly, some banks need to pay a handling fee to withdraw the overpaid part.

What should I do if my credit card repays too much?

The excess money paid by credit card can be spent by credit card or withdrawn. Many card friends paid off their debts after their credit card bills came out, but forgot to pay them back, which is equivalent to paying them back twice. Extra money is equivalent to saving money in a credit card, which can be solved in two ways. Let's take a look at it with China Travel. Bian Xiao. If you have other credit card-related questions, you can click the link at the end of the article for legal consultation, so that professional lawyers can share your worries. If you have other credit card-related questions, you can click the link at the end of the article for legal consultation, so that professional lawyers can share your worries.

What should I do if my credit card repays too much?

After credit card repayment, you can check the repayment status in mobile banking. If you pay more than once, it will show that you paid twice, because the first payment has deducted the current debt. If there is no other debt on the credit card, the second payment will exist in the form of overpayment.

If there is still consumption after credit card repayment, the extra money will be deducted from the next bill, and the remaining money will still become overpayment. Considering that the credit card has not generated any transaction for more than 180 days, the overpayment will have the risk of forming bad debts. It is best to solve this problem. There are two ways to try:

1, credit card consumption: First, you need to know how much you overpaid, and then you can choose online products with the same price to pay, or you can shop offline. After successful payment, the overpaid amount will be used up. For example, the credit card limit is 5,000 yuan, including 200 yuan's overpayment. If you buy goods from 200 yuan, the overpayment limit will become 0.

2. Cash withdrawal by credit card: It can also be solved by withdrawing the overpayment exceeding the credit card limit and converting it into cash through the ATM at the outlet or counter of the issuing bank, but the key point is that although there is no interest charge for cash withdrawal by credit card overpayment, it is likely to charge a cash handling fee, so there is no cost-effective credit card.

Can I withdraw money if my credit card repays too much?

Credit card repayment is too much, and the extra money can be taken out for cash withdrawal.

Extra money can be taken out; It's also a cash withdrawal. The extra money in a credit card is called overpayment. This part of the money can be taken out, but you have to pay a certain fee. Different banks charge different fees for the withdrawal of credit card overpayments, ranging from 0.5% to 3%, from 1 yuan -30 yuan to 50 yuan -500 yuan.

The extra money stored in a credit card is called overpayment. You can take out the overpaid money or leave it in your credit card to pay off the next credit card bill. However, it should be noted that some banks need a handling fee to withdraw the overpaid part, and the regulations of each bank are different.

Some banks even have a minimum charge, but the maximum charge is not capped, so if it is not necessary, I suggest that you can leave this part of the money in your credit card and repay it as the next credit card bill. And the money transferred to the credit card has no deposit interest. If there are not many suggestions, slowly consume them. If there are many, you should apply for overpayment to get them back. Some banks charge for credit cards, so it is recommended to consult bank customers before taking them out. In addition, not only the handling fee will be charged (some banks will waive it), but also the daily interest of 0.5%, from the date of cash withdrawal to the date of full repayment (including principal, interest and handling fee). If it is not necessary, it is recommended that bank cards should not be withdrawn as much as possible. Don't repay according to the billing date after cash withdrawal, because there is still cash withdrawal interest to be paid between the billing date and the repayment date, but it will not be reflected in the current bill. It is suggested that the bank card pay an extra 100 yuan (as the case may be) to offset the interest.

1. At present, the overpaid credit card can be withdrawn, but it can also be divided into these two situations. First of all, the first one is to save more money, that is, to withdraw cash from credit card overpayments. The handling fee charged for this withdrawal varies according to different bank withdrawal regulations. Secondly, the other is credit card overdraft cash withdrawal, that is, the loan amount is withdrawn within the credit card limit, and the bank will withdraw the cash withdrawal fee and calculate the interest according to the cash withdrawal regulations.

2. Credit card repayment means that when the cardholder's credit card consumption reaches the final repayment date, in order to ensure the cardholder's good credit record, the bill consumption funds will be returned to the bank. In addition, I would like to remind you that when choosing a credit card, you should ask clearly what repayment methods the bank supports and try to handle credit cards with more diversified repayment methods. Don't be fooled by petty profits such as "credit card shopping discount" After all, the convenience of credit card is the most important thing.

How can I pay back more credit cards?

Credit card repayment is heavy. If the overpaid funds become overpaid, the user can directly withdraw the overpaid funds. However, the repayment funds have not been turned into overpayment, and users need to keep relevant evidence of two repayments. After submitting evidence to the bank, it is proved that there are repeated deductions. After the bank verifies that it is correct, the repayment funds will generally be returned in the same way within a few working days.

So there are two ways to solve the problem of heavy credit card repayment. Although the overpaid part can be withdrawn directly, some banks need to pay a handling fee to withdraw the overpaid part.

1, as the next repayment: the overpaid amount can be put on the credit card without withdrawal, and then the credit card can be used normally, and the repayment amount generated by the next bill can be deducted from the overpaid amount. But the disadvantage of this is that the money lying on the credit card becomes dead money and cannot generate interest.

2. Some banks can withdraw cash directly: some banks can withdraw cash directly, and there is no handling fee for the money returned by credit cards, but most of them are limited to local banks. Such as ICBC, China Construction Bank, China Bank, Minsheng Bank and other banks, there is no handling fee for handling credit card overpayments at local banks (counters or ATMs); The local bank of Shanghai Pudong Development Bank stipulates that retrieval is free of handling fee, and our bank will charge 0.5% handling fee for ATM retrieval, with the lowest fee of 5 yuan. If it is not a bank to withdraw cash, a certain handling fee may be charged. For example, ICBC charges each 2 yuan across banks; China Construction Bank charges 1% handling fee for picking up goods in different places, with the lowest 2 yuan and the highest 50 yuan;

3. Online banking transfer of some banks: If you accidentally overpay, some banks can transfer money to their savings cards through online banking in addition to ATM and counter cash withdrawal. Different banks will have different policies for overpaying online banking transfers. The cardholder can call the customer service phone of the bank for details.

4. Next repayment. If there is still a lot of money in the 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 safely overdraw in advance.

5. Transfer and remit money. If there is extra money in the credit card, you can also transfer the extra money to other bank cards through the transfer function of the credit card. In this case, there is generally no handling fee, which can save some trouble.

Please click to enter the picture description (maximum 18 words).

This is the end of the introduction on how to take out the extra money from the credit card and how to put it in the credit card. I wonder if you have found the information you need?