How to get out the overflow on CCB's credit card

RMB overpayment: Cardholders can withdraw the overflow through the "Credit Card" - "Cash Transfer" function of CCB's mobile banking or online banking For payment, you can also withdraw the excess payment directly through the counters of CCB outlets and ATM machines.

Overpayment: The cardholder himself calls the CCB customer service hotline 95533 and presses No. 2 to process the overpayment refund through the credit card manual service.

A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the issuing bank's name, validity period, number, cardholder's name and other contents printed on the front, and a magnetic stripe and signature strip on the back.

The choice of credit card is very important. Nowadays, many commercial institutions have bundled cooperation services with banks. For example, you can apply for a joint credit card between a department store and the corresponding bank, and you can spend points here as a member and earn points. Discounts; or some cards can provide discounts at designated merchants, including dining, movies, towing services, etc. There are various names, and you can choose freely according to your own needs. Credit cards should be used wisely and chosen wisely.

Bill installment is the most convenient installment method. Basically, all card-issuing banks can support this installment method, and the application is simple. Users only need to submit an installment application to the card-issuing bank by phone or other methods after swiping their card for consumption and before monthly bills are sent.

However, please note that each bank will stipulate some special cases. For example, speculative card swiping will not be successful in installments. So before proceeding with staging, be sure to read the staging manual carefully.

Applicants for credit cards can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country. Each unit applying for a credit card can receive 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 a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.

The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his/her basic information, etc.

And submit certain copies of documents and certificates to the card issuing bank. After the customer fills in the application form truthfully according to the content, the customer must also submit the relevant credit certificate while submitting the completed application form. The application form is accompanied by a credit card use contract. The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must have the applicant's signature.

Once there are too many credit cards, it is easy to misunderstand the repayment date of the card and not remember the credit limit of the card. It is difficult to manage, and it is easy to cause late repayment and leave a bad record. Moreover, if you swipe multiple cards to earn points, the points will be too scattered, which is not conducive to redeeming gifts. Therefore, it is recommended that only 1 to 2 credit cards are enough.

Steps for transferring excess payment from China Construction Bank

(1) Withdraw from the ATM machine of China Construction Bank. The specific withdrawal method is the same as using a credit card to withdraw cash from an ATM machine. Note: When withdrawing excess payment through an ATM machine, you can withdraw up to 2,000 yuan per day.

(2) Take it out at the counter of a China Construction Bank branch. The specific withdrawal method is the same as using a credit card to withdraw cash at the counter. Alternatively, the cardholder can handle the process at the counter according to "Recover Overpayment".

(3) Withdraw excess payment through personal online banking. The specific steps are: First, the cardholder must log in to the personal bank. After that, the cardholder can click "Credit Card", "Card Account Transaction" and "Cash Transfer" in order to transfer the overpayment.

According to the announcement released by China Construction Bank on its official website, starting from April 1, 2012, customers no longer need to pay handling fees when withdrawing local overpayment cash at China Construction Bank's business outlets.

Since the payment model of credit cards is consumption first and repayment later, banks do not welcome cardholders to charge money to their credit cards. This is why most banks charge users a handling fee when they withdraw overpayments. At the same time, banks do not charge interest on overpayments. Most of the overpayments deposited into the credit card by cardholders are used to increase the available limit of the credit card or directly make consumption repayments.

How to transfer the overpayment from China Construction Bank Credit Card

Customers can directly withdraw the overpayment through the counter or ATM machine locally. However, in order to avoid unnecessary expenses, if there are special circumstances where it is necessary to withdraw the overpayment, do not do it yourself at the ATM machine. You can go to the counter and follow the "overpayment claim" procedure.

China Construction Bank announced on its official website that starting from April 1, 2012, no handling fee will be charged for local overpayment cash withdrawal transactions at our bank outlets and self-service terminals for all credit cards of the bank.

For a long time, the main function of credit cards has been overdraft consumption, but sometimes, for the sake of convenience, cardholders will deposit more money into the credit card when repaying, which results in overpayment. However, if customers want to withdraw excess money, they still need to pay a certain withdrawal fee, sometimes even as high as dozens of yuan. Many cardholders have always found it difficult to accept this charge. Why should they pay the fee when they clearly have extra money in their credit card?

For example: Previously, Xiao Zhang had his eye on a laptop worth 8,000 yuan and wanted to use his credit card to spend it, but his credit card limit was only 5,000 yuan, so he deposited 3,000 yuan into his credit card. However, the laptop was sold out in the mall and the computer was not purchased, so Xiao Zhang withdrew the extra 3,000 yuan deposited, but was charged a 15 yuan handling fee.

CCB announced that if customers make overpayment payments locally through counters and ATMs, they will not be charged corresponding fees in the future. However, most commercial banks still insist on charging this fee.

China Construction Bank-Credit Card Channel

How can I withdraw the money I overpaid on my CCB credit card?

There is a certain handling fee for withdrawing overpayment from a China Construction Bank credit card. Overpayment on a credit card forms an overpayment. The overpayment stored in the credit card does not accrue interest. If you want to withdraw the overpayment, you can withdraw it through CCB outlets or self-service terminals.

1. In-city withdrawals and overpayments within the CCB system are free of charge.

2. Use CCB credit cards to withdraw RMB from CCB ATMs or ATMs with the "UnionPay" logo in other places in China, as well as CCB outlets. The amount is 0.5 of the cash withdrawal amount, with a minimum of RMB 2 and a maximum of RMB 50. Handling fee.

3. When withdrawing local currency from overseas bank acceptance outlets with the VISA or MasterCard logo, and withdrawing local currency from ATMs marked with the [PLUS] or [CIRRUS] logo, the minimum amount is 3% of the cash withdrawal amount. $3 to pay the cash withdrawal fee.

4. When withdrawing local currency from an overseas ATM with the "UnionPay" logo, the cash withdrawal fee is "12 yuan of the cash withdrawal amount (currently 0.5)", of which the cash withdrawal fee is 1 (currently 0.5 yuan) of the cash withdrawal amount. The portion calculated temporarily according to 0.5) is a minimum of 2 yuan and a maximum of 50 yuan.

That’s it for the introduction on how to withdraw the overpayment from CCB’s credit card.