the extra money can be taken out; It's also cash withdrawal. The extra money in a credit card is called overpayment. This part of the money can be taken out, but it needs to pay a certain fee. Different banks charge different fees for credit card overpayments, ranging from .5% to 3%, from 1 yuan to 3 yuan, and from 5 yuan to 5 yuan.
The extra money stored in a credit card is called overpayment. You can take out the overpayment or leave it in the credit card to repay the next credit card bill. However, it should be noted that some banks require a handling fee to withdraw the overpayment, and the regulations of each bank are different.
Some banks even have the lowest charges, but the highest charges are not capped, so if it is not necessary, I suggest that you can leave this part of the money in your credit card and repay it as the next credit card bill. Moreover, there is no deposit interest on the money transferred to the credit card. It is suggested that if there is not a lot, it should be consumed slowly. If there is a lot, you should apply for an overpayment to get it back. Some banks charge for credit cards, so it is recommended to consult a bank customer before taking it out. In addition, cash withdrawal will not only be charged a handling fee (some banks will waive it), but also a daily interest of .5%, from the date of cash withdrawal to the date of full repayment (including principal, interest and handling fee). If it is not necessary, it is recommended that bank cards try not to withdraw cash. Don't repay after cash withdrawal according to the billing date, because there is still cash withdrawal interest to be paid between the billing date and the repayment date, but it will not be reflected in the current bill. It is suggested that the bank card should be repaid in 1 yuan (depending on the situation) to offset the interest.
1. At present, the excess money paid by credit card can be withdrawn, but it can also be divided into these two situations. First of all, the first one is to deposit more money, that is, to withdraw cash by credit card overpayment. The handling fee charged for this withdrawal varies according to different bank withdrawal regulations. Secondly, the other is credit card overdraft cash withdrawal, which is to withdraw the loan amount in the credit card limit, and the bank will withdraw the cash fee and calculate the interest according to the cash withdrawal regulations.
2. Credit card repayment means that when the cardholder's credit card consumption reaches the final repayment date, in order to ensure the cardholder's good credit record, the bill consumption funds are returned to the bank. In addition, I should remind you that when choosing a credit card, you should ask clearly what repayment methods the bank supports, and try to apply for credit cards with more diversified repayment methods. Don't be confused by petty profits such as "card shopping discount". After all, credit card convenience is the most important thing.