The overpayment on a credit card is called overpayment and can be withdrawn, but a handling fee will be charged.
In fact, banks do not encourage cardholders to charge money to their credit cards because credit cards adopt a consumption-first-repayment model. Therefore, the bank stipulates that a certain handling fee will be charged for overpayment withdrawal. At the same time, the handling fees for cash withdrawals from credit card overpayments vary from bank to bank.
Bank "overpayment" collection fee standards:
This amount can increase the available limit of the credit card, or be directly used for consumption repayment. 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. No interest is accrued on overpayment.
Extended information
Other repayment methods by credit card
1. Transfer/remittance repayment
Mainly divided into: same city, cross-bank, different places There are two ways to cross rows. Regardless of the method of transfer or remittance, the remittance bank will charge a certain fee. At the same time, the time it takes for the money to arrive and the convenience of repayment are not as good as intra-peer repayment, online repayment, convenience store repayment and other methods.
2. Online repayment
The more common online platforms in China include: UnionPay Online, Kuaiqian, Shengfutong, Alipay, Tenpay, etc. Depending on the platform and bank you choose, the charging standards and specific payment arrival time will be different.
3. Within the card issuing bank
This method includes: card issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. After repayment, the credit card limit will be restored immediately, and the payment will generally be credited to the account after the system processes it on the same day.
4. Convenience store repayment
This method mainly completes repayment through the "Lakala" smart payment terminal installed in the convenience store. It usually takes 2~ 3 working days, and there is no handling fee for repayment using this method.
Baidu Encyclopedia - Overpayment
Baidu Encyclopedia - Credit Card