There is no interest on overpayment withdrawals, but there are handling fees.

1. There is an overpayment on your credit card. It is recommended that you use it directly for consumption. No fees will be incurred. There are handling fees for cash withdrawal and overpayment recovery;

2. Overpayment Customers will be charged a 0.5% handling fee for payment recovery, with a minimum of RMB5 yuan/transaction or USD1 yuan/transaction and a maximum of RMB50 yuan/transaction or USD7 yuan/transaction. The handling fee will be deducted from the overpayment amount;

3. The domestic credit card cash withdrawal fee is 2.5% of the cash withdrawal amount, with a minimum of RMB 25 per transaction.

With credit cards of ICBC, China Construction Bank, and Bank of Communications, there is no handling fee for overpayment withdrawals from the local bank. If the cardholder withdraws cash in other places or across banks, each bank will have different charging standards. Beijing Business Daily reporter learned that when ICBC credit card customers withdraw cash from other places, they will be charged a handling fee of 1% of the cash withdrawal amount, with a minimum of 2 yuan/transaction and a maximum of 100 yuan/transaction. When withdrawing cash from other banks other than ICBC, an additional 2 yuan or more will be charged per transaction. 4 yuan. CCB charges 0.5% of the cash withdrawal amount except for free in the local system, with a minimum of 2 yuan/transaction and a maximum of 50 yuan/transaction.

The preferential period for Bank of Communications’ intra-city branch to waive handling fees is from the beginning of 2014 to the end of this year. For cash withdrawals at RMB counters or self-service equipment in other places, 0.5% of the transaction amount is charged, with a minimum of 10 yuan/transaction and a maximum of 500 yuan/transaction. Bank of Communications customer service staff reminds that if customers withdraw cash through ATM machines, the daily cumulative withdrawal amount shall not exceed 20,000 yuan; if customers withdraw cash over the counter at a Bank of Communications branch, they can claim all the excess deposits in the card, that is, withdraw 100,000 yuan or more. The amount, the handling fee is up to 500 yuan/transaction.

The Agricultural Bank of China and the Bank of China are differentiated according to different types of cards. There is no handling fee for overpayment withdrawals from Agricultural Bank of China’s Wenzhou Merchant Card, College Student Card, and other cards at the same bank in the same city. For other card types, a handling fee of 1% of the cash withdrawal amount will be charged for withdrawals through the bank's channels, and an additional 2 yuan/transaction fee will be charged for inter-bank transactions. According to the customer service staff of Bank of China, if it is a Great Wall series card, no handling fee will be charged through the counters and ATMs of the bank where the card is issued. For local cross-bank transactions, a single transaction is 4 yuan, a single transaction of the same bank in a different place is 10 yuan, and a single transaction of a different bank is 12 yuan. .

With BOC series cards, there will be no charge for withdrawing excess deposits through any counter in the mainland. Some joint-stock banks are different from the five major banks. It is understood that Ping An Bank's credit card overpayment cash withdrawal handling fee is charged at 0.5% of the transfer amount, with a minimum of 5 yuan/transaction and a maximum of 50 yuan/transaction. The handling fee for overpayment cash withdrawal of China Merchants Bank is basically the same as that of Ping An Bank.