Therefore, the cardholder should solve the overpayment as soon as possible after repaying the credit card. There are two common ways to deal with it, namely, taking out the money and spending it by swiping the card.
1. If the money is withdrawn, unless the bank supports the free withdrawal of overpayment, it is necessary to calculate the withdrawal amount, because it is necessary to deduct the expenses generated by withdrawal from the overpayment, so as to avoid using the credit card amount, generating interest and repayment, which is very troublesome.
2. If you spend it by credit card, you need to find a commodity with the same price as the overpayment, so that you can solve the overpayment perfectly without using the credit card limit, and you don't have to worry about having to pay back after spending it by credit card.
1. What is a credit card
A credit card is a non-cash transaction payment method and a simple credit service. Credit cards are generally plastic cards with a length of 85.6 mm, a width of 53.98 mm and a thickness of 1 mm, which are issued to cardholders by banks or credit card companies according to users' credit and financial resources. Cardholders do not need to pay cash when using credit cards, and repay on the settlement date. Except that some credit cards are combined with financial cards, general credit cards are different from debit cards and withdrawal cards. Credit cards do not directly debit users' accounts.
2. Credit card is a special carrier card with consumer credit issued by commercial banks to individuals and units for shopping, consumption and cash deposit and withdrawal in banks. In the form of a card, the name of the issuer, the expiration date, the number and the name of the cardholder are printed on the front, and the magnetic stripe and signature strip are printed on the back.
3. A real credit card has the following characteristics: cash deposit is not encouraged, consumption is followed by repayment, interest-free repayment period can be enjoyed, repayment can be made in installments (minimum repayment amount), and international credit card organizations such as visa and master are added for global use.
4. Even if the credit card is not activated, it will cause problems if it is lost directly. After all, the chip on the credit card contains the customer's personal information. Once it is picked up by criminals, personal information will be leaked, which will cause security risks. It is very likely that criminals will activate the card and steal it after obtaining the customer's information; It is also possible to use customer information to make small loans, and even engage in some illegal acts.
5. It is in the form of a card, with the name of the issuer, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip printed on the back.
6. Therefore, customers should never throw away their credit cards at will. If you don't want to use the credit card any more, you can first apply to the issuing bank for cancellation. After the card is successfully cancelled, cut the chip of the card and then discard it.
7. If you want to cancel your credit card, you must ensure that there are no outstanding bills and excess payments in the card. Of course, if the card has not been activated, there will be no bill arrears and overpayments. It's just that everyone needs to pay attention to it. Don't cancel the card directly before it is activated. You should also think carefully before applying for a credit card. Don't apply blindly and don't use it after you do it.