Can I withdraw the money from the wrong credit card?

After the credit card is wrong, I can refund the money. If the credit card user returns it to someone else's card by mistake during repayment, I can wait for the other party to return it or appeal to the bank. If the credit card returns to my other credit card, the user can withdraw it and repay it again. In the above two cases, I want to return it to my account. Credit cards have to go through the process of cash withdrawal. When withdrawing cash from credit cards, no matter whether it is the overflow deposit or the credit card's own limit, it is necessary to pay a handling fee. Under normal circumstances, 1%-2% of the cash withdrawal amount is charged. First, credit cards, also called debit cards, are credit certificates issued by commercial banks or credit card companies to qualified consumers.

it is in the form of a card with the name of the issuing bank, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to special commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards with a certain credit limit within which the cardholder 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 as required, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the specified credit limit. The credit card generally refers to a credit card.

2. Rational use of credit cards:

1. We should make full use of the interest-free period of credit cards.

Credit cards of different banks have different interest-free periods, but they can basically be more than 3 days, and some banks can even reach more than 5 days. If we can repay the credit card in full before the repayment date, it basically means that we enjoy an interest-free period of 3~5 days in advance. For friends who can use credit cards flexibly, we can regard this period as our stable cash flow.

2. It's best not to use installment payment and minimum repayment, and don't take the initiative to withdraw cash.

Some people can't repay in full before the repayment date of their credit cards, so they will adopt installment payment and minimum repayment. These two methods seem to alleviate a person's financial difficulties, but they have very high annualized comprehensive interest. Generally speaking, the annualized comprehensive interest of credit cards can reach about 18%, which is already very high. At the same time, the active withdrawal of credit cards will also generate high interest charges.

3. We can participate in credit card points activities.

every bank's credit card will basically launch corresponding points activities, and when we use the corresponding consumption behavior, we can get equivalent points. After we have accumulated a certain level of points, we can use points to exchange items of equal value. I suggest that friends should observe their credit card points more, which is also a process of many a mickle makes a mickle.

What should I do if the credit card is returned by mistake?

If the credit card is returned by mistake, if it is the cardholder's own card, the cardholder can take out the money and deposit it in the credit card that should be returned. If it is not the user's own card, you need to contact the other party immediately and ask the other party to refund the money and deposit it in the credit card that should be returned. However, it takes some time for the other party to refund the money, so if the user has extra money, he can return it first to avoid exceeding the repayment period, which will lead to overdue repayment and affect personal credit.

The common credit card repayment methods in China mainly include the following categories (according to the cost level):

Intra-bank repayment

The repayment methods mainly include: the counter of the issuing bank, ATM, online banking, automatic transfer, telephone banking and so on. After repayment, the credit card limit will be restored immediately, and the money will generally be recorded after being processed by the system on the same day.

mobile phone repayment

the mobile phone is a personal payment terminal in the mobile financial system, which can be used for direct credit card repayment and transfer. Immediate arrival!

convenience store repayment

convenience store repayment is mainly completed through the "Lacarra" smart payment terminal installed in the convenience store. Generally, it takes 2~3 working days to arrive at the account, and no handling fee is charged for repayment in this way.

Online repayment

The common online repayment methods in China are Baidu Wallet, UnionPay Online, Kuaiqian, Shengfutong, Alipay and Yifubao. Different platforms and banks are selected, and the charging standards and specific payment arrival time are different.

Inter-bank transfer

Inter-bank transfer/remittance repayment is mainly divided into two ways: inter-bank in the same city and inter-bank in different places. No matter how to transfer or remit money, the remitting bank will charge a certain fee, and at the same time, the time of payment and the convenience of repayment are not as good as those in peers, online repayment and convenience store repayment.

Counter link

Counter link refers to the bank card issued by various networked financial institutions, which conducts RMB current deposit and withdrawal transactions through the counters of other bank outlets registered in the host system of UnionPay Exchange Center.

Lacarra

Cardholders can complete credit card repayment, mobile phone recharge, online bill payment and other services through convenience stores, bank outlets or purchasing "Lacarra" equipment terminals.

xinfutong

"xinfutong" smart credit card phone is an innovative electronic product independently developed by China unionpay, certified by the bank card testing center and supported by financial services provided by the inter-bank information exchange network of China unionpay.

Repayment Pass

Repayment is made by using the Repayment Pass, and the fees are generally charged according to the charging standards for inter-bank transfer in the same city and inter-bank transfer in different places stipulated by the local people's bank.

Intelligent Repayment

A new industry, its main function is to make a good consumption and repayment plan by using the balance of about 5%-1% in the card, and then carry out automatic recycling consumption repayment through a licensed payment company to achieve the purpose of full repayment, and charge a certain handling fee. Its basic functions include bill management, local payment and free card application.

What should I do if the credit card is still wrong?

Credit cards generally need to enter their names when repaying. If it is only wrong, the repayment will generally not succeed, and the bank will refund the money.

If the account has been dialed to someone else's account, you need to contact the bank actively to negotiate a solution. If the wrong amount is relatively large, you can also call the police at this time, which is generally recoverable.

a credit card, also known as a debit card, is a credit certificate issued by a commercial bank or credit card company to a consumer with qualified credit. It is in the form of a card with the name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back.

consumers with credit cards can go to the special commercial service department for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.

In most cases, citizens who have full capacity for civil conduct (citizens aged 18 or above in Chinese mainland) and have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, a legal person can also be an applicant

The object of applying for a credit card can be divided into units and individuals. The applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal personality within the territory of China. Each unit can get a main card and several (5-1) supplementary cards when applying for a credit card.

to apply for a credit card, an individual 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 fund guarantee.

generally, the application method is to fill in a credit card application form, and the contents of the application form generally include the name, basic information, economic status or income source, guarantor and its basic information of the applicant.

and submit certain copies of certificates and certificates to the issuing bank. After the customer fills in the application form truthfully, he should submit the completed application form and relevant credit certificate. The application form is accompanied by a contract for using a credit card. The applicant authorizes the issuing bank or relevant departments to investigate its relevant information, submit a statement on the authenticity of the information, the privacy protection policy of the issuing bank, etc., and must have the applicant's autograph.

once the number of credit cards is too large, it is easy to get the repayment date of this card wrong and forget the credit limit of that card, which is difficult to manage, and it is easy to cause overdue repayment and leave bad records. Moreover, multi-card credit card points, too scattered points are not conducive to redemption of gifts. Therefore, it is suggested that only one or two credit cards are enough.

most cardholders don't care about documents, and they don't keep them. Most of them just throw them away, which is a very bad habit. In fact, keeping the credit card voucher is not only convenient for summarizing the consumption records every month and then analyzing and optimizing the consumption habits, but also helpful for improving the rationality and transparency of credit card consumption, so as to clearly understand the credit card. And many people's credit cards don't have passwords, so discarding credit card vouchers at will may lead to credit card theft.

how to recover the wrong credit card? You can try to do this.

Credit cards must be repaid after overdraft, but often some bosses make a mistake when repaying, and the money is returned to someone else's credit card. So, how do you recover the wrong credit card in this situation? Here's a detailed analysis.

in fact, it is rare to return the wrong credit card now. After all, as we all know, credit card repayment requires that the repayment account and the cardholder's name are the same, so that the repayment can be successful. If the credit card is wrongly entered, resulting in inconsistent name matching, the repayment will fail.

it doesn't matter if the credit card is wrong in this case, because if the repayment fails, the money will not reach the other party's account, and the wrong money will be returned within 3~5 working days.

However, there is also a situation that may be troublesome. For example, someone else's mistake is their own, and both the input and the name belong to others. Once the account number and the account name are matched and verified successfully, the repayment will be successful, and the money will go to someone else's card, so it is very difficult to get it back.

if you keep the relevant repayment voucher when making repayment, you can call the customer service of the issuing bank and provide the relevant voucher, and the bank will call the other party for verification. If the other party doesn't answer the phone or is unwilling to refund the money, the bank can't return the money to you.

and if the other party knows that the credit card is still wrong, but still refuses to repay it, then it can go. After all, the money belongs to the other party and has constituted a civil tort. However, because banks will not easily disclose customers' personal information, it is necessary to try the bank first and ask the bank to provide the other party's personal information, and then in the name of encroaching on other people's property.

To sum up, it is very troublesome to recover the wrong credit card, so we must try our best to avoid this situation, check the payee's name, account number and other information when making repayment, and keep relevant repayment vouchers after successful repayment.

what should I do if my credit card is still wrong?

Whether I can withdraw my credit card if it is still wrong depends on the specific situation.

1. If you return the money you want to return to other types of credit cards, you can directly withdraw the wrong money and then make the correct repayment, and only a certain handling fee will be generated in cash. If the repayment is returned to someone else's credit card, you need to communicate with the other party to see if the other party is willing to return the money to you, because once the repayment is successful, the system will not automatically refund it. If the other party is unwilling to refund or the contact fails, it means that your money cannot be returned.

2. You can call the customer service phone of the relevant bank after returning the credit card, and ask it to help you check whether the repayment is successful. If the system is still checking whether it can provide evidence, temporarily freeze the funds and finally refund. If the repayment has been made to someone else's account, you can ask the customer to help you contact the other party to discuss the refund. If the mistake is only a small sum of money, you can buy an experience without taking these steps.

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Credit card application strategy:

1. Start with the limit. Because you have a big card with a good repayment record, it will be very helpful for you to apply for credit card lines from other banks in the future. And your first card is 3, yuan, and the subsequent extension, except for a few banks, your probability is less than 1,, which seriously lowers your credit limit. If it's not an agent or a social security card, the rate is not high, and the quota is also low, and there is still a gap between 1, and 1,. There are differences between the four major banks with flowing water, and 1, cards can be easily dropped. There are not many commercial banks without any transactions. Women with less than 5, cards are the first choice, but the white number is not necessarily. It depends on the banking policy at that time. It is the best choice to consult local cardholders, but be careful. (It depends on the banking policy at that time. It is the best choice to consult local cardholders, but pay attention. ) If you have enough patience, your first big card will be realized after the pre-approval of the four major banks.

2. Start with the rights and interests. Changes in comparative value rights and interests need to be judged according to the situation. We can classify them by looking at the value of bank points first. The high-value ones are Ping An, China Merchants, China Bank, Industrial and Commercial Bank of China, China Construction Bank, Huaxia, Postal Savings Bank and Agricultural Bank. Of little value are CITIC, China Everbright, Minsheng, Xingye, Pufa and Guangfa (dare not use them). Don't underestimate the power of points. For example, for the special rights points of CCB owners' cards, 25, yuan can be exchanged for 1 fuel cards, and then the cost of credit card calculation only needs 5 yuan. In fact, it can be lower. Cards over 1, yuan are almost free of handling fees every month, whether you like it or not.

if the credit card payment is wrong, can the money be refunded?

after the credit card payment is wrong, the money can be refunded. If the credit card user returns the wrong operation to someone else's credit card when repaying the loan, he can wait for the other party to return it or appeal to the bank. If the credit card repays, it is also on your other credit cards. Users can withdraw their cash and then repay it again.

in the above two cases, if you want to return it to your account. Credit cards must go through the cash withdrawal process. When withdrawing cash by credit card, no matter the overflow deposit or the credit card's own limit, it is necessary to pay a handling fee. Under normal circumstances, 1%-2% of the cash withdrawal amount is charged. This requires special attention from users.

How to calculate the repayment date of credit card:

The billing date is the day when your consumption generates a bill. For example, if your billing date is the 4th of each month, then your spending amount after the 4th of each month (excluding the 4th day, that is, after the 5th) will be billed on the 4th of next month, and the 2th day after the 4th of next month (generally, the 2th day) will be your final repayment date. That is, the 23rd, 24th or 25th. Because the number of days in each month is different, it will be on your credit card statement about those days. If you spend before the 4th of every month (including the 4th), the bill will be generated on the 4th of this month, so your final repayment date will be the 23rd and 24th of this month.

credit card repayment method:

1. ATM repayment

When making credit card repayment, users can make repayment at the ATM of the bank, and the specific operation method is similar to debit card deposit. Users can complete the repayment by inserting a card, entering a password and putting in cash.

ii. online banking repayment

users can make repayment through the online banking of their credit card bank or other banks, and the operation method is similar to online banking transfer, which is more convenient.

Third, third-party platform repayment

Users can use third-party payment platforms such as WeChat and Alipay.