You can take it out. You can withdraw more money from your credit card at ATM or bank outlets.

Generally speaking, credit card can be used to deposit money, but it is not recommended to deposit money with credit card, because the standard credit card deposit has no interest, and the deposited money needs to pay a handling fee.

If you need to withdraw the excess payment, you can call the customer service hotline of the credit card center or go to the counter of the outlet to transfer the excess money to the debit card; Or withdraw cash through ATM machines and counters; If the credit card has online banking, you can transfer the money to his debit card through online banking. The handling fee of each bank is different, and the daily limit is less than 2000 yuan.

Credit card product category:

According to different card issuers, it can be divided into bank cards and non-bank cards.

Bank card. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or they can withdraw cash at any time at the outlets of the issuing bank or at places with ATMs.

Non-bank card. This kind of card can be divided into retail credit card and travel entertainment card.

Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are specially used for shopping in designated stores or filling gas stations. , and settle accounts regularly. Travel and entertainment card is a credit card issued by airlines, travel companies and other service industries, which is used for ticket purchase, dining, accommodation, entertainment and so on.

According to the different issuing banks, it can be divided into corporate cards and personal cards.

Company card. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, state party and government organs, armed forces, organizations and other legal person organizations.

Personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. The personal card is applied in the name of an individual and bears all the responsibilities for its use.

According to the credit status of cardholders, it can be divided into ordinary cards and gold cards.

Ordinary card. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and the requirements are not high.

Gold card. Gold card is an advanced credit card that pays a high membership fee and enjoys special treatment. Card issuers are institutions with high credit, strong repayment ability, credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are wider, so the requirements for related service fees and deposits are higher.

According to different payment methods, credit cards can be divided into credit cards and quasi-credit cards.

Credit card. That is, when the issuing bank provides bank credit, it overdraws first, and then repays or pays in installments. Most of these cards are used for international circulation. In other words, the way to allow cardholders to pay off their credit card accounts is "consume first, then deposit". Most of these cards are used for international circulation.

Quasi-credit card It is a credit card issued by a bank, which deposits first and then consumes. When applying for a credit card, the cardholder needs to deposit a certain amount of money in the issuing bank in advance as a backup. The cardholder needs to use the card on the basis of the deposit balance, and generally no overdraft is allowed.

According to the different circulation scope of credit cards, they can be divided into international cards and regional cards

International card. International card is a kind of credit card that can be used outside the issuing country and is universal. MasterCard, VISACard, AmericanExpressCard, JCBCard and DinersClubCard issued by five overseas groups (MasterCard, Visa International, American Express Card and DinersClubCard) are mostly international cards.

Area card.

Regional card is a kind of credit card that can only be used in the country or region where the issuing bank is located. Most credit cards issued by commercial banks in China belong to regional cards.

How to get extra money from a credit card?

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 should I do if I have more money on my credit card?

The extra money stored in the credit card 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 overpayment. But the disadvantage of this is that the money lying on the credit card becomes dead money and cannot generate interest. For the money returned by credit card, some banks can withdraw it directly without handling fees, but most of them are limited to local banks. For example, ICBC, China Construction Bank, Bank of China, Bank of Communications, Minsheng Bank and other banks have overpaid credit cards, and local banks (counters or ATMs) do not charge fees for withdrawals.

Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.

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.

In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.

The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.

Main features:

1. Cash advance deposit is not encouraged. You can enjoy an interest-free repayment period and can repay in installments (minimum repayment amount). Join VISA, MasterCard, JCB and other international credit card organizations, which are universal.

Second, it is one of the fastest-growing financial services, and it can replace the traditional cash circulation in a certain range.

Third, it has two functions: payment and credit. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers.

Fourthly, it is a high-tech product integrating financial business and computer technology.

Five, can reduce the use of cash currency.

Six, can provide settlement services, convenient shopping and consumption, enhance the sense of security.

Seven, can simplify the collection procedures, save social labor.

Eight, can promote commodity sales and expand social demand.

Let's talk about how to withdraw more money from credit cards.