When there is overpayment in your credit card account (the remaining amount after all debts in the credit card account are paid off), if you want to get back the overpayment, you can call the credit card customer service hotline and apply for remittance of the overpayment to your own bank account (USD can only get back our one-card account). To get back the overpaid money, you need to pay a certain handling fee, which is 0.5% of the remittance amount, and the minimum is 5 yuan RMB or US$ 65,438 +0 yuan RMB. At present, our bank offers preferential treatment, and the maximum charge is 50 yuan RMB per transaction or 10 USD per transaction. You don't have to get back the overpaid money, which will be used to deduct your future credit card spending. We won't pay deposit interest for the overpaid amount in your credit card account.

You can consult any credit card service information of China Merchants Bank online through QQ or WeChat. Method 1: Search 4008205555 among QQ corporate friends, and add China Merchants Bank Credit Card Center as a friend; Method 2: Search "cmb4008205555" on WeChat, and pay attention to China Merchants Bank Credit Card Center.