Overpayment recovery means that when the amount deposited in the credit card exceeds all debts under the account, the extra money is called "overpayment" and will be automatically deducted from the credit card consumption. Cardholders can also call our credit card service hotline and collect the overpayment by transferring the money to the debit card in their own name. The account name and ID number of the debit card used must be the same as the account name and ID number of the credit card, and only China Merchants Bank Card is accepted for the overpayment of USD. How to get it back: call the credit card service hotline, verify your identity, and press 9 to transfer to the customer service specialist.
The charging standard for the customers of China Merchants Bank's Puka and Gold Cards to recover the overcharged money: 0.5% of the recovered amount, with a minimum of 5 yuan RMB or 1 USD per transaction. The charging standard for customers of China Merchants Bank's unlimited cards and platinum cards who overpay for recovery: 0.5% of the recovery amount, with the lowest 5 yuan RMB or 1 USD/transaction and the highest 50 yuan RMB or1USD/transaction.
When there is overpayment (fund overpayment) in your credit card account, if you want to get back the overpayment, you can call the 24-hour customer service hotline to apply for remittance to any designated bank account in your name. A certain handling fee is required to recover the overpayment, which is 0.5% of the remittance amount, and the minimum is RMB 5 yuan/transaction and USD 1 transaction. You may not get back the overpaid card money, and the card money will be used to deduct the amount of your card in the future. Overpayment is a credit card deposit, and the bank does not calculate and pay interest, which is completely different from a savings card. ?