Credit card "overflow deposit" may occur after the credit card is recharged, and the amount is equal to all deposits MINUS the amount owed in the bill. Most card-issuing banks will handle the overdraft withdrawal of their own deposits for cardholders and charge a certain handling fee.
Handling fee Most banks charge the lowest handling fee for withdrawing excess deposits, ranging from 0.3% to 3%.
Fees range from the lowest 1 yuan 2 yuan to 10 yuan 30 yuan. At present, only the credit card of Guangfa Bank provides free service for withdrawing overflow deposits.
Extended data:
Focus on events:
1, the credit card is not a savings card, so don't save money on the credit card, except that the amount is higher when swiping the card, which is not very beneficial.
Even if you put money into your credit card before the final repayment date, there won't be as many "overflow deposits" as you have saved.
3. "Excess deposit" will not generate any interest, in other words, it is impossible to "recharge" the credit card in advance and then spend it.
4. Don't withdraw the "overflow deposit" easily. In general, you just need to empty your account and then cancel your card. In other cases, you can use the "overflow deposit" directly by swiping your card.
If the cardholder wants to increase a certain credit limit, he can apply for a temporary credit limit from the bank customer service center, and there is no need to rely on "overflow deposits" to increase his spending power.
References:
Should I deposit money in my credit card? -China News Network