Overpayment is a Chinese word, and its pinyin is y? ji ? o ku ? n. Refers to the overpaid funds paid by credit card customers or the funds deposited in credit card accounts, and a certain amount of fees must be paid to take out the overpaid funds.

the overpayment can be cashed out to the local savings card through online banking or through the local ATM. Agricultural Bank: Overpayment can only be used to "withdraw" ATM machines, and transfer fees are charged. Construction Bank: Overpayment can be withdrawn free of charge at the local ATM. Bank of China: Overpayment can be withdrawn free of charge to the local savings card through online banking or through the local ATM.

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Extended information

Precautions for overpayment

1. Overpayment is a credit card deposit, and the bank does not calculate interest, which is completely different from a savings card.

2. There is a charge for withdrawing cash from credit cards according to regulations. The charging problem should be viewed from two aspects:

3. In the regulations on the use of credit cards, ATM withdrawals are basically charged with withdrawal fees, and the usual standard is to charge .5% of the withdrawal amount, with the lowest 5 yuan; The overseas cash withdrawal fee is higher.

4. 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 will reduce the handling fee. ?