How to transfer the overpayment of Shanghai Pudong Development Bank to the savings card

When transferring the overpayment of credit card to the savings card, a user must hold a savings card owned by the same bank, and then the user can directly transfer the overpayment of credit card to the savings card. However, if the credit card overpayment is transferred to an individual's savings card, it means that the overpayment will be taken back, and the bank will charge a handling fee according to the standard for withdrawing the overpayment.

What does 18 yuan mean by the total credit card overflow deposit of Shanghai Pudong Development Bank?

Overflow deposit, also known as credit card self-owned deposit, refers to the "extra" money deposited by the cardholder without overdraft.

For example, your credit card limit is 1, yuan, and you always spent 3, yuan in this bill, but you paid back 3,18 yuan, so the extra 18 yuan is your overflow deposit.

Credit card "overflow deposit" may be generated after the credit card is recharged, and the amount is equal to all deposits minus the amount owed in the issued bill. The vast majority of card-issuing banks will handle the overdraft withdrawal of their own deposits by cardholders and charge a certain fee.

This sum can increase the available credit card limit or be directly used for consumer repayment;

If there is overpayment in the credit card, the overpayment will be deducted first, and then the credit line will be deducted. If the overpayment is greater than the consumption amount, there will be no overdraft.

If you deposit money in the credit card in advance without spending, you can't get this part of the money. If you want to get it, you will charge a high handling fee, so you should try to avoid it. Most banks charge fees ranging from .3% to 3%, and the lowest fees range from 1 yuan and 2 yuan to 1 yuan and 3 yuan.

Overpayment is interest-free.

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Note:

Some people often put more money into their credit cards to be on the safe side, thinking that they can withdraw money without paying interest. In fact, this is a misunderstanding. If there is excess deposit in the credit card, the cardholder will not only get interest, but also face the handling fee for withdrawing the "excess deposit". Moreover, the handling fee for the "excess deposit" is not low.

Baidu Encyclopedia-Overflow Deposit

How to withdraw the overpayment of Shanghai Pudong Development Bank's credit card and the charging standard

There is no charge for cash withdrawal at the counter, and the ATM withdrawal rate is 3%, with the lowest 3 yuan for a single payment.

Hexun. com reported that "Many banks join the ranks of overpayment cash withdrawal free of charge":

The lobby staff of Shanghai Pudong Development Bank outlets said that the bank does not charge any handling fee for overpayment counter cash withdrawal, but it should be charged at the rate of 3% at ATM machines, with the minimum 3 yuan for a single cash withdrawal.

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Online bank transfer is optional to avoid charging

Overpayment can be recovered through counters, ATM self-service devices and other channels.

According to a survey conducted by a reporter in beijing business today, many credit card customers said that in order to avoid being too busy to miss the repayment time, they usually deposit money into their credit cards in advance, and sometimes they will deposit more if they are not careful. In this regard, they are also very worried about whether there will be a handling fee if the extra money is taken out. At present, not all banks take free cash withdrawal for credit card overpayment, and there are still differences in the standard and scope of free cash withdrawal.

Although some banks are not free to withdraw credit card overpayments, banks have also given cardholders "tips". The credit card customer service staff of CITIC Bank said that if the cardholder's credit card needs to be withdrawn, it is suggested to transfer it to another bank's savings card through the inter-bank online banking channel, or transfer it to the bank's savings card through the customer service manual channel. Both operations are free.

hexun. com-A number of banks have joined the ranks of free cash withdrawal for overpayment

Let's stop here for the introduction of the overpayment of Pudong Credit Card.