;?Many cardholders overpay when repaying their credit cards, and this part of the money that exceeds the credit limit becomes an overpayment. Like all banks, the overpayment in China Merchants Bank's credit card can be withdrawn and transferred to other people's savings cards by transfer, but a certain handling fee will be charged. Let's take a look. The so-called overpayment refers to the money that cardholders pay overtime when repaying, or the money that is put into the credit card when the credit limit is insufficient when swiping the card. If there is an overpayment on the credit card, the overpayment will be deducted first and then the credit limit. If the overpayment is greater than the consumption amount, there will be no overdraft.

1. How to withdraw the overpayment from China Merchants Bank’s credit card. If you want to withdraw the overpayment from your credit card, you can use Palm Life APP, Mobile Banking APP (Pad Bank), Online Banking, or Customer Service Telephone Voice System. , transfer the money to the debit card of our bank or other banks in your name in real time. Operation methods: 1. Cash advance on Palm Life: Log in to the Palm Life app, enter "Selected" → "Instalment Financial Management", and click "Overdraft Transfer". 2. Mobile banking cash advance: Log in to the credit card mobile banking app, enter "My", enter your password to log in, and click "Credit Card" → "Instalment Management" → "Overdraft Transfer". 3. Online banking cash advance: Log in to credit card online banking and click "Instalment Management" → "Overdraft Transfer". 4. Telephone cash advance: Call the credit card service hotline, verify your identity, press 4, and then press 2 to enter "telephone cash advance".

2. How does China Merchants Bank charge for overpayments on credit cards? It is difficult to deposit overpayments on credit cards, but it is not so easy to withdraw them. If you want to withdraw them, you will be charged a handling fee. , the overpayment redemption account must be consistent with the credit card account name, and the handling fee will be charged at 0.5% of the cash withdrawal amount, with a minimum charge of ￥5 yuan or $1 USD. China Merchants Bank's preferential policy is to charge a maximum of ￥50 yuan or $10 USD.