If the amount is not large, you can leave it in the credit card limit. Then the next time you spend, spend the overpaid part first. However, it should be noted that in the regulations on the use of credit cards, cash handling fees are basically charged for ATM withdrawals. Usually the standard is 0.5% of the cash withdrawal amount, and the minimum charge is 5 yuan.
Overpayment refers to the excessive payment of funds by credit card customers or the funds deposited in credit card accounts, and 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. Overpayment is interest-free.
In fact, banks do not encourage cardholders to recharge their credit cards, because credit cards use the mode of spending first and then repaying. Therefore, the bank stipulates that a certain handling fee should be charged for the overpayment. At the same time, the handling fee for cash withdrawal of credit card overpayment varies from bank to bank.
Regarding the handling fee for credit card holders to withdraw "overpayment", the charging bank said that although credit card holders took their own money, they occupied the relevant resources of the bank. Because credit cards are different from ordinary debit cards in handling deposit and withdrawal accounts, and credit cards are used to encourage customers to spend instead of letting cardholders use them as savings accounts, the charges are reasonable.
Moreover, "overpaying" does not count as interest. In other words, it is not good to "recharge" the credit card in advance and then spend it. If the cardholder wants to increase a certain credit limit, he can apply to the bank customer service center for a temporary credit limit, and there is no need to increase his spending power by "overpaying". If the cardholder encounters "overpayment", it is better to spend the overpayment by swiping the card to avoid unnecessary expenses.
20 12 in April, 14 China Bank, Industrial and Commercial Bank, China Construction Bank, Agricultural Bank, Bank of Communications, China Merchants Bank and other well-known domestic banks provided credit card services. Only four banks do not charge withdrawal fees for users' overpayments in the bank and the region, and other banks are mandatory.
There are five major credit card brands in the world, namely VISA International and MasterCard International, and five professional credit card companies, namely American Express, Diners Club and JCB Japan International Credit Card Company. There are also some regional credit card organizations in various regions, such as EUROPAY in Europe, UnionPay in China, and the United Credit Card Center in Taiwan Province Province.