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.
According to the regulations, there is a charge for credit card withdrawal of deferred information. The charging problem should be viewed from two aspects:
1. In the regulations on the use of credit cards, ATM withdrawals are basically charged. Usually the standard is 0.5% of the withdrawal amount, and the minimum charge is 5 yuan; The handling fee for overseas cash withdrawal is higher.
2. 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 can reduce the handling fee.
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