Overpayment refers to the remaining amount after the cardholder repays all the funds payable in this period. Some card friends will deposit money into their credit cards by mistake. If they put the money into the credit card in advance and don't spend it, this money can't be withdrawn. If they want to withdraw, they will charge a high handling fee.
China Construction Bank Credit Card Overpayment Charge Standard:
China Construction Bank's credit card charging standard: local banks are exempt from 1% handling fee, with the lowest in 2 yuan and the highest in 50 yuan.
In fact, banks do not encourage cardholders to recharge their credit cards, because credit cards use the mode of spending first and then repaying. Therefore, the bank stipulates that a certain handling fee should be charged for the overpayment. At the same time, the handling fee for cash withdrawal of credit card overpayment varies from bank to bank.
There is no interest on saving money by credit card;
Unlike savings cards, credit cards can save money, but there is no interest. Generally speaking, even if it is a time deposit, the money in the savings card will get interest on the current deposit, while in the credit card, no matter how long it is deposited, there is no interest.
There is a charge for withdrawing cash by credit card;
When money is deposited in a credit card, most banks will charge the excess to get back the handling fee, except for no interest. The so-called overpayment means that the cardholder's deposit in the credit card exceeds the bill payable. Although it is the cardholder's own money, there is still a charge for taking it out.
In short, although CCB credit cards can save money, considering various negative factors, it is best not to save money in credit cards.