1, go directly to CCB ATM or bank counter to withdraw cash, and the handling fee rate is about 0.48%. If there is a handling fee at the ATM or counter of other banks in different places, the handling fee will be charged at 0.5% of the cash withdrawal amount, with the lowest 2 yuan RMB and the highest 50 yuan RMB.
2. You can also withdraw money directly from CCB mobile banking, online banking and other channels. That is, the overpaid part will be directly transferred out. The transfer method is the same as the usual cash withdrawal method, and there will be handling fees and interest for cash withdrawal by credit card.
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Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.
The use of credit cards is different from that of savings cards. The extra money is an overflow deposit. If you put it in a credit card account, there will be no interest and no income. However, the withdrawal of excess deposits is not worth the loss, and it is charged according to the provisions of credit card withdrawal, which is generally 1%, so it is better to spend and use it when swiping the card normally.
CCB Credit Card is a credit card issued by China Construction Bank. The credit cards issued by China Construction Bank are all named "Longka", including: Longka Famous School Card, Longka Business Card and Longka Automobile Card.
Credit card swiping for 3 times or 18 times (excluding special cards such as business cards and car cards) is exempt from the annual fee of the following year.
Domestic: 5‰ of the transaction amount, with the lowest in 2 yuan and the highest in 50 yuan; Overseas: 3% of the transaction amount, with a minimum of $3.
Multi-account management: quota sharing, multiple CCB cards, one billing date and independent repayment.
Online payment: Alipay: it can be used after online registration, with a single payment and a one-day limit of 500 yuan.
Installment business: support interest-free installment for specific merchants (3, 6, 12). After a single consumption exceeds 1000 RMB, you can apply for installment by phone (3,6,0/2,0/8,24), and different handling fees will be generated for each installment according to the number of installments.
Billing date: There are multiple billing dates every month, and the cardholder can change it once a year within the validity period of the card.
Currency: RMB, RMB/USD, RMB/Euro.
What about repeated repayment of credit card of China Construction Bank?
If you want to continue to use it, don't worry. The next time you swipe your card, it's your own money. If you don't use your card, go to the bank and withdraw the extra money. It should be noted that if the credit card still owes money, the extra money you pay belongs to repayment, so the extra money is not yours. For example, the repayment in this period is 1000, but the total debt is 2000, so the excess you pay belongs to the bank.
I have a credit card of China Construction Bank. What if the repayment exceeds 50,000?
You can use it first or return it to your savings account.
Taking China Construction Bank as an example, credit card overpayment (that is, there is still money left in the card after the credit card is fully repaid) can be used for the following purposes in addition to giving priority to consumption:
1. RMB overpayment: RMB overpayment can be transferred to our savings account or credit card through outlets, ATMs and intelligent teller machines, and the overpaid funds can be transferred to our city account without handling fees;
Cardholders can also withdraw the overpaid cash directly through CCB outlets or CCB ATMs, and local banks are free of handling fees and interest (note: Longka e-payment card has no physical card, and cash can be withdrawn from the credit card main account in a non-contact way through "Longka China UnionPay Express" on the ATM marked with UnionPay "Flash Payment" sign).
2. Overpayment of foreign currency: After dialing 95533, press the No.2 key to return the overpaid foreign currency to the debit card through the credit card manual service.
Extended data
The overdue credit card of CCB affects the use.
If the credit card is overdue for more than 30 days, the CCB system will automatically control the credit limit of the card, and only 50% of the credit limit can be used temporarily; After more than 60 days, the card cannot be used temporarily; After more than 90 days, the card will be forced to stop paying, and all accounts under its name will be frozen.
If the repayment is delayed within 90 days, as long as the minimum repayment amount is paid, the system will automatically resume using all credit lines. If the payment is delayed for more than 90 days, it is necessary to pay off all the overdue funds in the account before applying, and CCB will handle it according to the actual situation of the customer.