How to withdraw money for overpaying credit cards

Different banks may handle overpayments on credit cards differently, and specific operations must be carried out according to bank regulations.

The excess money to pay off the credit card can be withdrawn in the following ways:

Withdraw cash directly through the credit card. The excess money you repay can be directly used as a cash withdrawal limit, and you can withdraw cash through an ATM machine or bank counter.

Go to debit card. Transfer the excess money to the debit card associated with your credit card and withdraw it from the debit card.

For consumption. The extra money you pay back can be used for daily consumption, such as shopping, dining, etc.

It should be noted that different banks may handle overpayments on credit cards differently, and specific operations must be carried out according to bank regulations.

1. Withdraw cash directly through credit card

If the overpaid money can be directly used as a cash withdrawal limit, you can withdraw cash directly through an ATM machine or bank counter. However, it should be noted that cash withdrawals will incur certain handling fees and interest, which need to be calculated and paid according to bank regulations.

2. Transfer to debit card

If the overpayment can be transferred to the debit card associated with the credit card, then the overpayment can be transferred to the debit card , and then withdraw it from the debit card. However, it should be noted that transfers also need to be operated according to bank regulations and may take a certain amount of time to arrive.

3. Use it for consumption

If the extra money can be used for daily consumption, such as shopping, dining, etc., then you can use your credit card directly for consumption. However, it should be noted that consumption also needs to be operated according to bank regulations, and certain credit limits may be required.

To sum up, the overpaid credit card money can be withdrawn in the above three ways. However, it should be noted that different banks may handle overpayments on credit cards differently, and specific operations must be carried out according to bank regulations.

Legal basis:

Article 196 of the "Contract Law of the People's Republic of China" stipulates: "A loan contract is a loan from the borrower to the lender. A contract to return the loan and pay interest. "

Article 205 of the Contract Law of the People's Republic of China stipulates: "The borrower shall pay interest according to the agreed period. The time limit is not agreed upon or the agreement is not clear, and it cannot be determined in accordance with the provisions of Article 61 of this Law. If the loan period is less than one year, the payment shall be made together with the return of the loan; if the loan period is more than one year, the payment shall be made on each expiration date. If the remaining period is less than one year, it shall be paid when the loan is returned. ”