What if there are more credit cards

What if there are more credit cards

After the credit cards are overdrawn, cardholders need to repay, and some users may pay more if they are not careful. Then, what if there are more credit cards? Will the extra money be wasted?

if you accidentally pay more money during the credit card repayment operation, don't worry, part of the money paid back by the credit card will not be wasted. Part of the amount of credit card overpayment is called overpayment, which is just equivalent to the cardholder depositing a sum of money in the credit card, but this "deposit" has no interest. For the overpayment part, users can use their credit cards or withdraw money from bank outlets.

1. credit card consumption.

If the credit card repays too much and there is an overpayment in the card, then when the cardholder uses the card to spend, the consumption funds that will be deducted from the card will be the overpayment first, and the credit limit will be deducted only after the overpayment is consumed. For example, if the user pays an extra 1, yuan when repaying, and the cardholder has just spent 1 yuan in the current period, then by the repayment date, the user does not need to repay the current consumption funds.

2. Cash withdrawal

When the credit card has repaid more money, you can also go to the bank to withdraw the excess amount, but it is generally not recommended to do so, because the bank will charge the handling fee for cash withdrawal due to overpayment, and usually the handling fee for cash withdrawal due to overpayment is .5%-3% of the cash withdrawal amount. However, at present, some banks have cancelled the cash withdrawal fee for overpayment. It is suggested that users can consult the following card-holding banks whether to charge overpayment cash withdrawal fees when withdrawing cash.

Credit card repayment method:

At present, there are many kinds of repayment methods provided by banks. Users can make repayment through bank ATMs, deposit directly on their credit cards, or make credit card repayment through WeChat wallet or Alipay. For this method, it is suggested that the repayment person should remember clearly his due amount to avoid paying more or less. Users can also set up automatic repayment by binding their accounts. The automatic repayment bank will deduct the money according to the bill payable, and there will be no phenomenon of more or less repayment. Users can also make repayment through mobile banking. Generally, mobile banking can clearly see their own bills, see their bills clearly, and then make repayment. Generally, there will be no problems.

Can I get my credit card back after one year?

Yes

If I pay my credit card back too much, there will be an overpayment, and some bank customers will incur a handling fee if they take the overpayment

1. It is best not to take the overpayment

2. There is no handling fee for some banks to take the overpayment

3. If you spend the overpayment by swiping the card, you should first consume the overpayment. Risk, be careful!

what should I do if the credit card pays more money?

If the cardholder pays more money to the credit card under his name, there will be an overpayment, and the overpayment will be used first when the cardholder swipes the card after spending. For example, if the cardholder needs to repay 2, yuan in this period, but has repaid 2,1 yuan, there will be an overpayment of 1 yuan, and then the overpayment will be used first when spending. After one hundred overpayments are used up, the card limit will be used again.

a credit card, also known as a debit card, is a credit certificate issued by a commercial bank or credit card company to a consumer with qualified credit. It is in the form of a card with the name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to special commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.

according to different card issuers, it can be divided into bank cards and non-bank cards

bank cards. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or withdraw cash at any time at all branches of the issuing bank or places with ATMs.

non-bank card.

this kind of card can be divided into retail credit card and travel and entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are dedicated to shopping in designated stores or filling gas stations, etc., and are settled regularly. Travel and entertainment cards are credit cards issued by service industries, such as airlines and travel companies, which are used for ticket purchase, dining, accommodation and entertainment.

according to different issuers, it can be divided into corporate cards and personal cards

corporate cards. Corporate cards are issued to all kinds of industrial and commercial enterprises, scientific research and education institutions, state party and government organs, military units, organizations and other legal organizations.

personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. Personal cards are applied for in the name of individuals and bear all the responsibilities of using them.

According to the credit status of cardholders, it can be divided into ordinary cards and gold cards.

Ordinary cards. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and their requirements are not high.

gold card.

the gold card is an advanced credit card that pays a high membership fee and enjoys special treatment. Card issuers are those with high credit, strong repayment ability and credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are much wider, so the requirements for related service fees and guarantee money are also higher.

What should I do if there is more money in the credit card?

You can spend the extra money in the credit card by swiping it. If you spend 5 yuan again, you don't have to pay back the money on the repayment date, so you can deduct it directly from the 1, yuan. However, your credit card electronic bill or the bill mailed to you will also show that you should still be in 5 yuan. You don't have to pay attention to this. You remember that there are 1, yuan in your credit card. When the credit card exceeds this 1 yuan, what will you pay back ~ but don't remember it wrong ~ the money owed by the bank is nothing, and it will be troublesome if you don't pay back the money from the bank when it expires.

Just go to the counter and take the credit card. There is no handling fee. The handling fee will only be charged when you withdraw money from the credit card, and it is very high. One more thing to note is that even if you pay the extra 1 yuan in the card, you can't take it out, because there is a handling fee for withdrawing money from the credit card. It's better to put money in an ordinary bank card, because it's convenient to take it. Credit cards are just convenient for consumption, which can help you when you are short of money. It's really not as convenient as ordinary bank cards in saving money.

Ten advantages of credit card:

1. Less debt to others

If you are in urgent need of cash to solve your urgent need, if you are embarrassed to ask your relatives and friends, you can overdraw your credit card at this time. Although the interest rate is like 5/1, you can decide which is more important than debt to others.

Second, it is relatively safe.

Consumers should swipe their cards as much as possible, so that they can take less cash with them

the stock trend of related companies

6.4..% of China Construction Bank

-even if it is stolen or lost, the loss can be reduced. If the cash is lost, the possibility of getting it back is slim; But the credit card is different. Even if it is stolen or lost, we can report the loss as soon as we find it. Even if your credit card is stolen without a password, it is much easier to trace it-because every credit card is recorded, what's more, the bank will bear the losses 48 hours or even 72 hours before reporting the loss. In addition, if you spend money in cash, you may get back the counterfeit money once!

Third, cleanliness and hygiene

With the large cash flow, you can imagine the bacteria on the coins, and the credit card has been touched by several cashiers except yourself-even if it is dirty, it can be disinfected and cleaned.

Fourth, save money

Many bank credit cards have cooperation or promotion with merchants. For example, you can get a discount of returning cash when you swipe your card, or you can get a discount of 2% or 5% for watching a movie or eating western food. In addition, credit card points can also be exchanged for some gifts in daily life, and there are even some lucky draws.

V. Convenience

If there is a "VISA" or "MasterCard" logo on the credit card, you can swipe your card directly abroad, and the savings card or cash must be exchanged first; In addition, it is also very convenient to book airline tickets, hotels, telephone or online shopping and car rental with credit cards, but savings cards may not have this benefit-because credit cards have a "pre-authorization" function in addition to direct swiping; There is also the embarrassment that there is no change.

VI. Relieve the economic pressure

If there is a certain economic pressure to pay a large amount of consumption at one time, you can pay by installment with a credit card and enjoy your favorite items in advance; Although you need to pay a certain handling fee, I think it is worthwhile compared with the intangible value generated by enjoying it for half a year or even one year in advance. Of course, spending in advance should be done according to one's ability.

VII. Accumulate personal credit records

Using more credit cards and repaying the loans on time can improve the credit limit and credibility. At the same time, the personal credit information database of the People's Bank of China will have your good credit record, which will make it much easier to approve loans to buy a house and a car in the future.

8. Apply for supplementary cards

If you apply for supplementary cards for your family, especially for your children, you will basically know their financial situation such as consumption expenditure, which is convenient for educating your children about their financial management and consumption awareness.

IX. Facilitating financial management

After the bill date, we will receive a detailed bill of consumption in the form of paper or e-mail. From the bill, we can clearly understand our consumption and expenditure in the last month.

X. Extra benefits

Some credit cards also provide free accident insurance, medical insurance, trailer and car wash, enjoy the service of the bank or airport VIP lounge, and can also earn points to change flights and gasoline.

seven disadvantages of credit card:

1. blind consumption

swiping a card is not like spending money one by one like paying cash, and it doesn't feel like a few numbers, which leads to blind consumption and spending money like water. However, what to buy and what not to buy, can you treat it irrationally? !

Second, excessive consumption

Notebooks, digital cameras and smart phones are phased in. While enjoying your favorite items in advance, you should also consider whether your salary is just a drop in the bucket when you repay next month.

Third, the interest rate is high

If you can't take care of your credit card, and you can't repay it as scheduled when the final repayment date comes, the bank will charge a certain interest fee to avoid greater risks, and you can only blame yourself.

Fourth, annual fees are required

Credit cards basically have annual fees, but basically there is an annual fee-free policy. For example, CCB can waive it as long as it swipes it three times a year; On the contrary, the savings card has received a small fund management fee since 26, and it will have to pay one or twenty yuan a year. If you apply for a credit card and you can't swipe it three or five times a year or you don't know it, then the bank should charge you an annual fee.

V. Stealing

Credit cards are basically swiped without passwords by default, which makes it easy for others to steal them when they are lost or stolen, causing unnecessary troubles or losses; But in fact, credit cards can also apply for spending by swiping their cards with passwords-it depends on how you manage your credit cards.

VI. Impacting personal credit records

Long-term malicious arrears will naturally affect personal credit records, and even be blacklisted by banks. It will be difficult to borrow money from banks to buy a house and a car in the future-but if you don't ask for it, you won't be able to manage your finances yourself.

Seven, repayment troubles

I have to go to the bank every month, which is often overcrowded; In fact, only a savings card with online banking is available now, so you can repay your credit card free of charge through the Internet, such as WeChat, Alipay and Tenpay.

What should I do if the credit card pays back more money?

If the credit card pays back more money, it won't have any impact, and the extra money saved by the user can be used directly for consumption. If the balance is large, the cardholder can withdraw it, but it is best to consult the bank whether to charge a handling fee before withdrawing it. If a handling fee is charged, don't take it out. More money deposited in a credit card is generally called overpayment. Credit card overpayment can be taken out directly at ATM or bank counter, and there will be a limit when it is taken out through ATM. If the amount is relatively large, it is best to go to the bank counter at this time, and you must confirm the working hours of the bank when handling it to prevent yourself from making a trip in vain. In normal times, it is best for cardholders to avoid saving money in the credit card. Although saving money in the credit card will not bring practical disadvantages, it is not the main function of the credit card. The main function of the credit card is to encourage cardholders to spend money. If you spend money with excess payment, you will lose the essence of the credit card and it is very inconvenient to take it out. In fact, in order to prevent more money from being deposited in the credit card, users can use a third-party platform for repayment. This repayment method can be accurate to two decimal places, which can ensure that no more money will be paid, but the time of receipt must be determined when repayment is made to avoid delay.

Extended information:

Credit card overdue repayment will face the following consequences: late payment fee for credit card; Overdue interest; Bad credit record; Criminal responsibility of malicious overdraft.

1. late payment fee for credit card. The so-called late payment fee for credit card refers to the fee that the cardholder should pay to the issuing bank in accordance with the regulations when the cardholder fails to repay before the due repayment date (inclusive) or the repayment amount is less than the minimum repayment amount.

2. overdue interest. After a user overdraws with a credit card, there is generally an interest-free repayment period ranging from more than 2 days to more than 5 days. If the cardholder's repayment is overdue, then all the expenses of the cardholder last month will no longer enjoy the interest-free treatment of the bank, and the revolving daily interest rate is as high as five ten thousandths, that is, the annual interest rate will reach 18%.

3. Bad credit record. Credit card overdue repayment records will enter the central bank's credit information system to generate bad credit records. China's personal credit information records have been networked nationwide. As long as individual residents have handled lending business in banks, applied for credit cards, or provided guarantees for others, they can find credit reports in any domestic commercial bank.

4. litigation costs. If the credit card is not repaid for more than 3 months, the bank will ask the lawyer to send a lawyer's letter to the user and file a lawsuit with the cardholder, and the litigation expenses will be borne by the cardholder.

5. Criminal responsibility for malicious overdraft. According to Article 196 of China's Criminal Law and relevant judicial interpretations, malicious overdraft refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and still refuses to return it after being urged by the issuing bank. Those who engage in credit card activities with malicious overdraft will be investigated for criminal responsibility for credit card crimes, and will be sentenced to less than five years or criminal detention, and will be fined between 2, yuan and 2, yuan.

This is the end of the introduction about how to pay more money in a credit card and how to pay more money in a credit card. I wonder if you have found the information you need?