The extra RMB 65,438+050 will be put into your credit card as an interest-free deposit, and your next bill amount will be deducted directly, that is, your next bill amount will be the usage amount minus RMB 65,438+050.
Overpayment of credit card means that the repayment amount of credit card is greater than the amount owed by credit card, and the excess will be accumulated in the credit limit, which will be used first in the next consumption;
Overpayment in credit card does not include deposit interest;
You can also take out the overpayment, and you need to pay a handling fee when taking out: generally, it is 0.3% of the transfer amount, and the minimum is 5 yuan RMB.
Extended data:
Overpayment is a credit card deposit, and the bank does not calculate and pay interest, which is completely different from a savings card.
According to the regulations, there is a charge for withdrawing cash by credit card. The charging problem should be viewed from two aspects:
In the regulations on the use of credit cards, ATM withdrawals are basically subject to withdrawal fees. Usually the standard is 0.5% of the withdrawal amount, and the minimum charge is 5 yuan; The handling fee for overseas cash withdrawal is higher.
If there is "overpayment", the withdrawal fee will still be charged according to the credit card withdrawal standard.
In this case, it is suggested that the cardholder transfer the overpayment on the credit card to the debit card of the same name of any bank, and then withdraw cash from the debit card. This can reduce the handling fee.
If the cardholder encounters "overpayment", it is best to spend the overpayment by swiping the card to avoid unnecessary expenses.
Baidu encyclopedia-overpay
What about excessive credit card repayment of CITIC Bank?
You can take it out or not and put it in the card for consumption. This money can increase the limit of available credit cards, or be directly used for consumer repayment. If the credit card has overpayment, the overpayment shall be deducted first, and then the credit line shall be deducted. If the overpayment is greater than the consumption amount, there will be no overdraft. Overpayment is interest-free.
Recovery of overpayment (overpayment)
1, and the overpayment of online banking channels is collected free of charge;
2. The fees charged for overcharged funds from other channels are as follows:
The transfer amount (converted into RMB) is less than RMB 10000 yuan (inclusive), and each charge is RMB 5.5 yuan;
Transfer amount (converted into RMB) 1 0,000-10,000 yuan (inclusive), and each charge is 1.5 yuan;
The transfer amount (converted into RMB) is more than 654.38+10,000 yuan, and the charge for each transfer is 654.38+05.5 yuan.
Extended data:
According to Article 5 of CITIC Credit Card (Personal Card) Contract (New Edition):
Unless otherwise agreed, Party A shall not pay interest on the overpayments in the credit card accounts of Party B and its affiliated cardholders. If Party B and its supplementary cardholders want to recover all or part of the overpaid funds in their credit cards and transfer them to their personal settlement accounts of China CITIC Bank or other banks, they shall submit a written application to Party A and pay the overpaid recovery fee as agreed.
The refund fee for overpayment of foreign currency shall be calculated in RMB, with the amount converted into RMB from the bookkeeping base as the base, and the currency conversion exchange rate shall be calculated according to the bank selling price on the transfer day.
Baidu encyclopedia-overpay
CITIC Bank-CITIC Credit Card (Personal Card) Contract (New Edition)
Is there a handling fee for CITIC Bank to withdraw the extra money (deposited by itself) by credit card?
There is a handling fee.
Self-help in credit card belongs to overpayment, which refers to the extra money paid by credit card customers or the money deposited in credit card accounts. A certain fee must be paid to take out the overpayment. This money can increase the limit of available credit cards, or be directly used for consumer repayment. If the credit card has overpayment, the overpayment shall be deducted first, and then the credit line shall be deducted. If the overpayment is greater than the consumption amount, there will be no overdraft.
Extended data:
Fees charged by major banks for "overpayment"
1, China Merchants Bank
0.5% of the transfer amount, minimum 5 yuan.
2. China CITIC Bank
0.3% of the transfer amount, minimum 5 yuan.
3. Guangfa Bank
be free of charge
4. Shenzhen Development Bank
0.5% of the transfer amount, minimum 5 yuan.
Baidu encyclopedia-overpay
So much for the introduction of CITIC Credit Card Overpayment.