Overpayment is called overpayment. The overpaid part does not bear interest, and a certain fee will be paid for taking out the overpaid part. This limit will increase the available limit of your credit card, and you can directly use it to offset your consumption. If there is overpayment in the credit card, it will be deducted first, and then the credit limit will be deducted. If the overpayment is greater than the consumption amount, there will be no overdraft and no repayment is required. If you need to get back the overpaid part, you can contact the issuing bank. If it is a Ping An credit card, you can log in to Ping An Pocket Bank APP- Credit Card-More-Credit Card Management-Overpayment, and follow the prompts on the page to get it back.
What do you mean by credit card overpayment?
Credit card overpayment refers to the excess funds paid by credit card customers or the funds deposited in credit card accounts, and a certain fee must be paid to take out the overpayment.
According to Article 7 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, credit cards refer to all kinds of media that record the relevant information of cardholders' accounts, have the functions of bank credit line and overdraft, and provide relevant banking services for cardholders.
The credit card stipulated in the relevant laws of our country (Interpretation of the Provisions of NPC Standing Committee on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc.
20 17 12 1, the English translation and writing standards for public services were formally implemented, and the English names of credit cards were specified.
Ping An Bank's credit card is overpaid. Can you take it out?
Credit cards can be refunded if they are overpaid. When the repayment amount of a credit card is greater than the amount owed, the excess will be displayed in negative numbers, which is called overpayment. 1. The overpaid part is accumulated in the credit line, and the next consumption will be given priority; 2. When withdrawing the overpaid part, you may need to pay the formalities fee; Ping An Bank charges 5‰ of the overcharged credit card recovery fee, with the lowest 5 yuan/transaction or 1 yuan/transaction and the highest 50 yuan/transaction or 7 yuan/transaction.
This concludes the introduction of Ping An Credit Card Overpayment and how to use Ping An Credit Card Overpayment. Did you find the information you needed?