What to do if you have too much money on your credit card

There are several ways to solve it

1. Consumption. If the amount is not large, you can wait until it is within your credit card limit. Then the amount of the excess payment will be consumed first when you make a purchase next time.

2. Cash transfer. Overpayments can be transferred directly to the bank card in your name at the counter or at the prescribed self-service equipment. This is also free of charge.

3. Withdraw cash. Generally, credit card cash withdrawals will incur handling fees and interest. However, overpayments are excluded. The extra money deposited by credit card can be withdrawn at the counter without paying any handling fees. However, in accordance with the principles of credit card accounting and risk management, you must generally bring your ID card to process the deposit the next day or later.

But everyone needs to pay attention to the regulations on the use of credit cards. ATM machine withdrawals basically charge a cash withdrawal fee. The usual standard is 0.5 of the cash withdrawal amount, with a minimum of 5 yuan. The handling fees for overseas cash withdrawals are higher, depending on the bank.

If you withdraw money from an ATM machine with "overpayment", you will still be charged a cash withdrawal fee according to the credit card cash withdrawal standards. In this case, the cardholder can transfer the overpayment on the credit card to a debit card of the same name in any bank and then withdraw cash, which can reduce the handling fee.

For overpayment, it is recommended to spend it directly. After all, you need to swipe your card for daily consumption. If you do not need cash urgently, or the funds are large, it is usually not recommended to use the third method.

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The overpayment on a credit card is called "overpayment". The overpayment will be used first when the cardholder swipes the card for consumption. If you need to repay 2,000 yuan, but you have repaid 2,100 yuan, then the extra 100 yuan will be used first when making purchases.

It is worth noting that if you want to withdraw the extra money, you need to pay a handling fee. Taking China Merchants Bank as an example, the handling fee for overpayment is 0.5 of the cash withdrawal amount, with a minimum of RMB 5 per transaction. Or $1. Of course, there are also some banks where overpayment withdrawals are free, such as Shanghai Pudong Development Bank.

So cardholders must pay attention to the amount that needs to be repaid in the current period when repaying to avoid unnecessary fees.

How to manage too many credit cards

Question 1: What to do if there are too many credit cards, how to manage them. Many people are afraid that they will not be able to remember the repayment time of the credit cards when they apply for too many credit cards. Either they got confused or they forgot to repay, some people simply apply less or even not apply for a credit card. But what I want to teach you here is that it doesn’t matter how many credit cards you have, and it doesn’t matter if you forget. As long as we use mobile Internet tools skillfully, it will be easy. Play with your credit card and never have to worry about the repayment date. There are many such Internet products at present, and they can even record the information of each of your credit cards, bind the credit cards to your email address for issuance, and then issue them through the bank's email. You don't need to enter the repayment time and amount, and the background will do it. It will be completed automatically for you, and there will also be a fixed reminder function, which will notify you a few days before repayment. When we have many credit cards, many people actually don’t have time to pay attention to what kind of activities a certain bank will handle. Kahui is a software name that can tell you which banks in a shopping mall are doing activities and which ones you have. If you have a bank credit card, it will tell you what discounts are available. If you want to go out to eat or if you are tired of shopping, you can get discounts when you spend money. With these software, it will be much more convenient for you.

Question 2: How to manage too many credit cards? Although I have always emphasized that the number of credit cards depends on what you use them for. If you use it daily, then 3-5 credit cards are enough. If you have a lot of business and entertainment, you will need a relatively large number of credit cards with a relatively large limit. If it is for business turnover, then even more so. But in real life, there are still many friends who blindly pursue quantity and have ten or even twenty credit cards. With more credit cards, there are more worries. How to effectively manage credit cards has become a problem for many friends. In order to help you better manage credit cards, Card God has compiled simple methods for managing credit cards. Let’s take a look.

The repayment time can be changed

The first thing I want to tell you is that the repayment time of almost all credit cards can be changed. Once the repayment time is changed, the billing date will change accordingly. It will also change accordingly. Some banks can change it once every six months, and some can change it once a year. Therefore, if you want to facilitate management, you can change the repayment time of the corresponding bank card. Except for Agricultural Bank of China's credit cards, which are fixed after issuance and cannot be changed, credit cards from other banks can be changed.

Plan by the number of credit cards

Since the repayment time of a credit card can be changed, how to change the repayment time of a credit card? The first method for Rong Xiaomei is to change it according to the number of credit cards.

If you have 4 credit cards, the repayment time can be changed to one on the 5th, one on the 10th, one on the 15th, and so on. At the same time, you can also change the first two to be repaid on the second day of salary, and the last two to be repaid on the 7th day of salary. The specific settings should be based on personal habits.

Plan according to credit card limit

Suppose you have 4 cards, Card A is 50,000, Card B is 40,000, Card C is 30,000, and Card D is 20,000. So how to plan according to the amount?

You can return card A on the 1st, card B on the 10th, card E on the 10th, and card C on the 20th. If you play like this, it will be very clear, and at the same time, you will know at a glance that special days like the 1st, 10th, and 20th will be easier to remember, and generally it will not be too confusing. Of course, in the actual application process, everyone must make specific arrangements based on their own actual situation!

Summary: In fact, it seems very troublesome, but it is really very simple. Remember the steps, first classify the cards, then modify the billing time, and finally set the repayment date. This way it will be clear at a glance. In order to facilitate everyone's credit card management, Card God will release the "Credit Card Management Level" form on the official website for everyone to download. You can print it directly after downloading. Hope this can help friends.

Question 3: How to manage too many credit cards? 5 points can use credit card management tools such as KaNiu and 51 Butler to help

Question 4: How to manage many credit cards. There are more and more credit cards. , it is recommended to record it in a notebook in the order of billing date and repayment date, and use it reasonably.

Question 5: How to manage multiple credit cards from the same bank? Nowadays, with the popularity of credit cards, credit card consumption has become a living habit for many people, and it is not uncommon for one person to hold multiple credit cards, but how to manage multiple credit cards from the same bank? In this regard, I love cards I will give a detailed introduction to card friends for their reference. Many cardholders have multiple credit cards issued by the same bank, so that they can get more credit card benefits. Since different banks currently have different regulations on the bill settings of multiple credit cards from the same bank, cardholders have to apply for multiple credit cards. When paying for your credit card bill, ask carefully to avoid delaying the repayment deadline. At the same time, since there are many cards, the repayment time of each card is even more important. More importantly, each bank has different repayment regulations. Some can implement one-account repayment, and some implement one-card, one-repayment system. This is something cardholders should pay special attention to. Each bank also has its own different regulations for points redemption. Even the same bank has different regulations for different card types, so when applying for a card, you can ask carefully about points. Fellow cardholders hope that their credit cards can enjoy more benefits. Generally speaking, banks stipulate that as long as the name of the credit card holder is the same person, then when redeeming points, points from multiple cards can be redeemed together. This is also one of the reasons that attracts cardholders to apply for multiple credit cards together. . However, some banks stipulate that the points of certain card types cannot be redeemed together, that is, the points of other credit cards held by the cardholder in the bank cannot be redeemed with certain special cards, and can only be redeemed with special cards. In this way, points cannot be redeemed at the same time, which is not very cost-effective for cardholders. Therefore, when applying for a credit card, especially when you have multiple credit cards from the same person, you must pay attention to these two aspects. This will be of great help to you in managing multiple credit cards from the same person.

Question 6: Teach you how to manage multiple credit cards of your peers. Nowadays, many people have several credit cards, even several cards of their peers.

Fellow cardholders hope that their credit cards can enjoy more benefits. Generally speaking, banks stipulate that as long as the name of the credit card holder is the same person, then when redeeming points, points from multiple cards can be combined and redeemed. This is also one of the reasons why cardholders are attracted to apply for multiple credit cards together. However, some banks stipulate that the points of certain card types cannot be redeemed together, that is, the points of other credit cards held by the cardholder in the bank cannot be redeemed with certain special cards, and can only be redeemed with special cards. In this way, points cannot be redeemed at the same time, which is not very cost-effective for cardholders. Therefore, when applying for a credit card, especially when you have multiple credit cards from the same person, you must pay attention to these two aspects, which will be of great help to you in managing multiple credit cards from the same person.

Question 9: There are too many credit cards. What management tools do everyone use? The two most effective ways to apply for large credit cards

One of the most effective ways: Submit proof of property

For large credit cards, the choice of bank credit card does not matter. What matters is whether your property certificate complies with the bank's regulations.

Generally speaking, property certificates include: real estate, cars, financial products, etc. under the personal name.

Take Minsheng Bank as an example. Its large credit cards are divided into: Diamond Card (starting limit is 200,000), Deluxe Platinum Card (starting is 80,000), and Standard Platinum Card (starting is 40,000). If you provide real estate under your personal name, the required conditions are: the standard platinum card requires the real estate value to be more than 800,000, the deluxe platinum card requires more than 1.6 million, and the diamond card requires more than 3.2 million.

But the bank does not accept the car title certificate.

Guangfa Bank, China Merchants Bank, etc. accept vehicle-related certificates.

The second most effective method: apply for a card with a card

Applying with a card is an effective way to apply for a large credit card. Taking Minsheng Bank as an example, applying for a card does not require any additional proof of assets: the applicant is required to have a credit card that has been used for more than half a year, and the credit limit of the card is at least 40,000. The application conditions are: the original card limit If you spend more than RMB 40,000, you can get a standard platinum card, if you spend more than RMB 80,000, you can get a deluxe platinum card, and if you spend more than RMB 150,000, you can get a diamond card.

When applying for a large credit card, according to the bank's scoring system standards, certain conditions are most applicable, such as a good credit record, a superior career, a stable high income, high deposits, etc.

If you can’t get a recommendation card, you can only spend money to find someone.

To apply for a card or withdraw cash, you can contact me.

Question 10: How to manage your credit card well? Let me help you answer it. When you want to use your credit card to spend money, you should think more about the parents at home who are frugal and worry about yourself. You should send more money to your family. Spend some money and go back. Firstly, your parents will be happy, and secondly, your parents will be reluctant to spend more money. They will try their best to save the money for you. Also, think about the future? That all requires money, so start saving! Be generous when you need to spend money, and try to be frugal when there is no need to use money. The most important thing is to see whether you can exercise restraint. This is easier than quitting smoking, and it is much easier than quitting drugs.

What should I do if I have too much money on my bank credit card?

1. Regarding the overpayment on my bank credit card, there are several ways:

2. 1. : If you are in a hurry to use cash, you can go to an ATM to withdraw the excess money. However, credit card cash withdrawal fees will definitely be charged during this period. Even if you withdraw some of the extra money and pay it back, you will still be charged for credit card cash withdrawals.

3.2: If you are not in a hurry to use cash, you can save it in a credit card, but there is no interest. In this way, the next time you swipe the card, as long as it does not exceed the amount you saved, you don’t have to pay back the credit card money. Oh, it’s more worry-free, but the disadvantage is that it is inconvenient to withdraw money from a credit card and there is no interest.

4. Summary: It doesn’t matter if you pay more on your credit card. This part of the money can be included in your credit card account, and you can pay less when you make your next purchase. But when you save money in a credit card, the bank is No interest will be charged, but cash withdrawals will be charged according to credit card withdrawals.