How to withdraw the overpayment from a credit card

After the overpayment occurs on the credit card, you can withdraw it directly from an ATM machine or bank counter. Most banks stipulate the withdrawal of the first few overpayments. They are all free of charge. If there is a handling fee for withdrawing excess payment, we recommend that you use your card directly to spend.

Cash withdrawal at the counter: Cardholders can bring their ID card and credit card to the bank business hall, submit a cash withdrawal application to the counter staff, and then enter the withdrawal password as required to withdraw the money.

Withdrawing cash from an ATM teller machine: Cardholders can bring their credit card to the ATM teller machine, insert the credit card, enter the withdrawal password, and then follow the interface prompts to perform the withdrawal operation.

Overpayment usually occurs when the cardholder deposits too much money into the credit card, which will lead to an overpayment on the card. In fact, using a third-party payment platform for repayment can be accurate to the point. This repayment method will not cause overpayment, but special attention must be paid to the payment time. Many people use this method now. However, now Pudong Development Bank and Bank of Communications credit card users can transfer the overpayment to the bank's debit card name.

In normal times, it is best for cardholders to avoid depositing money into credit cards. Although depositing money into credit cards will not cause actual harm, this is not the main function of credit cards. The main function of credit cards is to encourage When cardholders make purchases and use overpayment to make purchases, the essence of a credit card is lost, and it is also very inconvenient to take it out.

Note: When canceling a credit card, there must be no overpayment in the card. If the credit card is canceled, it will fail. This needs everyone's attention.

Can the Shanghai Pudong Development Bank Credit Card Platinum Dream Card be used for savings?

Yes.

Credit cards can be used to deposit money into it. The amount deposited into the credit card is called overpayment. Overpayment: 1. Some banks will charge a handling fee when withdrawing the overpayment. Among them, the handling fee of Agricultural Bank of China is the withdrawal fee. 1% of the amount, Industrial Bank and Ping An's handling fee is 0.5%, China Bank, Industrial and Commercial Bank, Construction Bank, Transportation Bank, Minsheng Bank and China Everbright Bank are free of charge when withdrawing from the same city;

2. Overpayment is cumulative Regarding the credit limit, this limit will be used first when swiping the card for consumption.

3. There will be no deposit interest on the overpayment in your card.

Although credit cards can be used, deposits can also be made. Credit cards cannot be used as debit cards. However, due to the handling fees and interest, it is very uneconomical.

Credit cards are mainly used for consumption, although they can be deposited, which is called overpayment. This amount can increase the available limit of your credit card or be used directly for consumption repayment. However, there is no interest on the overpayment, and when you withdraw it as cash, you often have to pay a withdrawal fee, which is not worth the loss.

There is no interest-free period for credit card cash withdrawals. Interest will be charged from the date of withdrawal, at a rate of 0.5% per day.

How to withdraw cash from the overpayment of Shanghai Pudong Development Bank credit card and the charging standard

There is no charge for cash withdrawal at the counter. The ATM cash withdrawal fee is 3%, and the minimum single transaction is 30 yuan.

Hexun.com reported with "Many banks join the ranks of free overpayment withdrawals":

The lobby staff at Shanghai Pudong Development Bank branches said that the bank does not distinguish overflow payment counters regardless of location. There is no handling fee for cash withdrawals, but a 3% fee is charged for cash withdrawals at ATMs, with a minimum of 30 yuan for a single transaction.

Extended information:

Optional online bank transfer to avoid fees

Overpayment can be claimed through channels such as counters, ATM self-service equipment, or through other channels Recover excess payment through bank channels.

According to a survey by a reporter from Beijing Business Daily, many credit card customers said that in order to avoid missing the repayment time due to being too busy, they usually deposit money into their credit cards in advance. Sometimes they accidentally deposit more money. live. In this regard, they are also worried about whether they will be charged handling fees if they withdraw the extra money. For now, not all banks offer free cash withdrawals for credit card overpayments, and there are still differences in the standards and scope of free withdrawals.

Although some banks do not offer free withdrawals for credit card overpayments, they have also provided "advice" to cardholders. CITIC Bank's credit card customer service staff said that if the cardholder's credit card has an excess amount that needs to be withdrawn, it is recommended to transfer it to another bank's savings card through online banking inter-bank channels, or transfer it to our bank's savings card through customer service manual channels. Both operations are Free.