If you have more money on your Bank of Communications credit card bill, you can withdraw it in cash.
The funds overpaid by credit card customers during repayment or the funds stored in the credit card account are overpayments, and a certain amount of fees must be paid to withdraw the overpayments.
So, if you have a lot of money on your Bank of Communications credit card bill, you can withdraw it, but you need to pay a certain fee for withdrawing it.
Overpayment 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.
In addition, overpayment does not accrue interest.
Extended information:
Handling fee
Bank of Communications handling fee: the bank in the same city waives the handling fee, and cross-banks in the same city charge a handling fee of 2 yuan/transaction. Cash withdrawals (transfers) from other places are still charged at 0.5 of the withdrawal amount, with a minimum of 10 yuan.
On March 5, 2012, the Customer Service Committee of the China Association for Trade in Services released the results of a survey. 96.47% of customers expressed their incomprehension about “repaying too much money to a credit card and charging a handling fee when withdrawing it.” Among them, 48.06 people felt very angry and believed that the bank had violated their property. The vast majority of people showed their helplessness. Basically all customers hope that banks can cancel this overbearing clause.
In April 2012, among the credit card services of 14 well-known domestic banks including Bank of China, ICBC, China Construction Bank, Agricultural Bank of China, Bank of Communications, and China Merchants Bank, only four banks did not allow users to make overpayments within their own banks or locally. A withdrawal fee is charged, and other banks charge mandatory fees.
Baidu Encyclopedia-Overpayment