It can be taken out. Some processing fees may apply.
The extra amount refunded by ICBC credit card is called overpayment. You can leave it on the card and spend it or withdraw cash without worrying about losing your money. The method to withdraw excess funds is simple. Insert your credit card into the ATM and enter your PIN to withdraw.
Generally speaking, service fees will be charged for withdrawing excess funds. Different withdrawal methods have different service charge standards: no service fee will be charged for withdrawing excess funds from a credit card at the ICBC counter or ATM where the account opening bank is located;.
If you withdraw excess funds from other local industrial and commercial banks, you will be charged a handling fee of 1% of the withdrawal amount. The minimum fee is 2 yuan and the maximum fee is about 100 yuan. If you withdraw the excess amount from other banks, you will be charged a handling fee of 2 yuan or 4 yuan per transaction. In addition to more repayments, overpayments can also occur when purchases are made with credit cards and returns are refunded. For example, if the refund is successful, the bank will return 500 yuan to your credit card account, and the 500 yuan will become the book balance.
In addition, it cannot be used for repayment due to refunds, overpayments, etc. For example, you overpaid 500 yuan on your credit card, and your bill this month is 1,000 yuan. Because credit cards have interest-free periods of many days, applying for a large number of credit cards is the wish of many people. Among the many credit cards, each one has its own characteristics. An overpayment refers to the amount of money a cardholder pays back when repaying a credit card, or mistakenly uses a credit card as money in a savings card when saving. You can store it, but you have to take it out. Sorry, we have to charge a handling fee, so be sure to read it carefully when repaying. Don’t return the wrong card, and don’t deposit the wrong card. Remember, there is no bank deposit interest on this money. Currently, many banks have a policy of free withdrawal of credit card overpayments, but the specific regulations of each bank are still different. A lobby manager from CCB said that there is no handling fee for overpaying VIP fees in the same city. However, ATMs can only withdraw up to 1,000 yuan. The customer service staff at the bank's credit card center further added, "There are handling fees in different places. The handling fee is 1 yuan, with a minimum of 1 yuan and a maximum of 100 yuan." Previously, the Industrial and Commercial Bank of China stipulated that when the credit card debt is paid off in full, The remaining funds will be treated as deposits and cardholders can collect them free of charge over the counter or ATM. Banks such as Agricultural Bank of China and Bank of Communications waive handling fees for withdrawals from local banks.
In summary, it can be taken out.