The excess of credit card repayment over the repayment amount exists in the credit card, which belongs to overpayment.

when the amount deposited in the credit card exceeds all the debts under the account, the extra money is called "overpayment", which will be automatically deducted from the credit card consumption.

the cardholder can also call the credit card service hotline of our bank and get back the overpayment by transferring money to the debit card in his name. The account name and ID number of the debit card used must be the same as that of the credit card, and the US dollar overpayment is only collected by China Merchants Bank Card.

way to get it back: call the credit card service hotline, verify your identity, and press 9 to transfer it to the customer service specialist.

handling fee for recovery of overpayment: .5% of the recovery amount, with a minimum of RMB or USD 1 in 5 yuan and a maximum of RMB or USD 1 in 5 yuan.

Extended information:

If the overpayment is withdrawn through the cash advance channel, the cash advance fee shall be charged.

cash advance fee and interest fee: the domestic RMB cash advance fee is 1% of each cash advance, and the minimum fee is 1 yuan RMB; The handling fee for overseas cash advance is 3% of each cash advance, and the minimum charge is 3 USD or 3 yuan RMB. There is no inter-bank handling fee for cash advance.

interest: advance cash is not entitled to interest-free repayment. From the date when advance cash is processed to the date of settlement, interest will be charged at the daily rate of .5 ‰, with compound interest on a monthly basis.

China Merchants Bank-cash advance fee and interest

China Merchants Bank-overpayment recovery?