As the next repayment: the overpaid amount can be put on the credit card without taking it out, and then the credit card can be used normally. The repayment amount generated by the next bill can be deducted from the overpaid amount. But the disadvantage of this is that the money lying on the credit card becomes dead money and cannot generate interest.
Some banks can withdraw cash directly: some banks can withdraw cash directly, and there is no handling fee for the money returned by credit cards, but most of them are limited to local banks. Such as ICBC, China Construction Bank, China Bank, Minsheng Bank and other banks, there is no handling fee for handling credit card overpayments at local banks (counters or ATMs); The local bank of Shanghai Pudong Development Bank stipulates that retrieval is free of handling fee, and our bank will charge 0.5% handling fee for ATM retrieval, with the lowest fee of 5 yuan. If it is not a bank to withdraw cash, a certain handling fee may be charged. For example, ICBC charges each 2 yuan across banks; China Construction Bank charges 1% handling fee for picking up goods in different places, with the lowest 2 yuan and the highest 50 yuan;
Some banks transfer money through online banking: if you accidentally overpay, some banks can transfer money to their savings cards through online banking in addition to ATM and counter withdrawals. Different banks will have different policies for overpaying online banking transfers. The cardholder can call the customer service phone of the bank for details.
Next repayment. If there is still a lot of money in the credit card, you can also leave the money in the card and wait for the next repayment. In this case, you don't have to worry about the next repayment, and you can safely overdraw in advance.
Transfer and remittance. If there is extra money in the credit card, you can also transfer the extra money to other bank cards through the transfer function of the credit card. In this case, there is generally no handling fee, which can save some trouble.
I would like to remind you that a credit card is not a savings card, and there is a handling fee for withdrawing cash by credit card. No matter whether you really withdraw cash or withdraw more money, you have to charge a handling fee, which is generally 0.5%-3%.
Credit card application conditions:
1, age 18, with valid ID card;
2. No bad credit record;
3. Have a fixed work certificate;
4 proof of income stamped with the financial seal of the unit;
5. Other financial certificates, such as bank deposits, real estate, automobiles, stocks and bonds. ;
6. Social endowment insurance certificate;
7. Provide two contacts.
service charge
On March 5th, 20 12, the customer service committee of China Service Trade Association released the survey results, and 96.47% of the customers were puzzled by the fact that "it is too much to pay back the credit card, but there is still a handling fee to take it out". Among them, 48.06% people are very angry and think that the bank has violated their property, and most people show helplessness. Basically all customers want the bank to cancel this overlord clause.
20 12 in April, 14 China Bank, Industrial and Commercial Bank, China Construction Bank, Agricultural Bank, Bank of Communications, China Merchants Bank and other well-known domestic banks provided credit card services. Only four banks do not charge withdrawal fees for users' overpayments in the bank and the region, and other banks are mandatory.