Question 1: What should I do if I overpay the CCB credit card once? If there is an unpaid bill, the overpayment will automatically offset the unpaid balance.

If there is no unpaid bill, it will remain in the credit card as an overpayment. The cardholder's own excess payment will be used first for subsequent purchases.

Question 2: I overpaid more than 50,000 yuan on my China Construction Bank credit card. What should I do? The extra money paid by the poster will become an overpayment, and the balance will be in the poster’s credit card account. This money can be deducted. The poster’s future credit card debt transactions

Of course, if the poster has a CCB savings card, he can call the CCB customer service hotline and the staff can transfer the extra money to your savings account< /p>

If not, you can also consider going to the China Construction Bank counter to take it out

There is no cash handling fee for overpayment withdrawals at local banks. The so-called local refers to the location where the credit card issuing bank is located. If the card is withdrawn within the administrative province, for example, the poster’s card is issued in Suzhou and the card issuing bank is the Suzhou branch, then there is no cash withdrawal fee if the card is withdrawn within Jiangsu Province. Conversely, if you withdraw money outside the administrative province, there will be a cash withdrawal fee. The rate is 0.5% of the cash withdrawal amount, with a minimum of 2 yuan and a maximum of 50 yuan. In addition, no matter inside or outside the province, the maximum amount you can withdraw through self-service equipment is 2,000 per card per day. If the owner's deposit is more than 2,000 and you want to withdraw it all at once, you have to go to the counter to withdraw it.

If the poster has any other questions, you can ask.

Question 3: What should I do if I pay too much on a China Construction Bank credit card? There is no problem. If you pay too much, it will be deducted from subsequent transactions.

Let me give you an example. Your bill date is the 7th. You should repay 1,000 yuan when you settle the bill on 11/7. Then you will not have any transactions or consumption after 11/7. /20 If you repay 1,500 yuan, there will be an overpayment of 500 yuan on the card (the extra money you saved). You can withdraw your excess payment at the CCB where you applied for the card, and there is no handling fee. Or it can be directly deducted from your future consumption. Suppose you spend 800 yuan later, then the 500 yuan will be deducted first, and then the overdraft amount will be 300 yuan.

Question 4: What should I do if I make repeated repayments on my China Construction Bank Credit Card? When swiping, the excess money will be deducted first, and then your repayment bill will be calculated after the deduction is completed

Question 5: I overpaid when repaying my CCB credit card. Think about it, there are handling fees and interest when taking out the money. I paid too much on the CCB credit card, which means there was an overpayment (deposit) in the credit card. If you can withdraw money, CCB overpayment local bank withdrawals are free of charge. There are handling fees for withdrawals from other places or across banks.

Question 6: I have a China Construction Bank credit card and I overpaid 3,000 yuan when repaying the loan. Can I withdraw the excess money from this credit card? Will there be a handling fee? If the landlord’s repayment will be deducted from the card After the balance is credited, if there is still more, it will become an overpayment and the balance will be in your credit card. Therefore, it is recommended that the poster first edit the text message with the mobile phone number you reserved at his home, "312# The last four digits of the card number "Bit" is sent to 95533, and the balance found is the total amount of arrears recorded as of the time you send the text message. If it is a negative number, then the negative amount is the amount of overpayment.

In addition, CCB stipulates that local banks do not charge cash handling fees for withdrawals of excess payments.

The so-called local refers to withdrawals within the administrative province where the credit card issuing bank is located, such as The poster's card was issued in Suzhou, and the issuing bank is the Suzhou branch, so there is no cash withdrawal fee when withdrawing it in Jiangsu Province. On the contrary, if you withdraw money outside the administrative province or use other banks' ATM machines, there will be a cash withdrawal fee. The rate is 0.5% of the cash withdrawal amount, with a minimum of 2 yuan and a maximum of 50 yuan. In addition, no matter inside or outside the province, the maximum amount you can withdraw through self-service equipment is 5,000 per card per day. If the owner's deposit is more than 5,000 and you want to withdraw it all at once, you have to go to the counter to withdraw it.

Question 7: What will happen if you overpay on the CCB credit card installment? The overpayment becomes an overpayment, which is retained in the credit card and will be offset against subsequent consumption first. But the bill is settled in installments.

Question 8: Can I withdraw cash if I deposit too much for CCB credit card repayment? Hello, yes.

As long as your current bill has been repaid, you can withdraw the extra money.

CCB Credit Card has now waived the handling fee for local overflow deposit withdrawals. You can withdraw money at ATMs or branches.

In the past, there was a handling fee for withdrawing excess deposits, but there was absolutely no interest. Now the policy has changed, and the handling fees for withdrawing cash from overflow deposits (local) are also waived. Of course, if you are worried, you can also consult the branch when you go to the branch.

If you don’t understand, please ask. If you are satisfied, I hope to adopt it. < /p>

Question 10: I have paid too much on my CCB credit card. Can I withdraw it? I originally had to repay 1,000 yuan, but ended up paying 500 yuan more. If there is no money owed on the card, I can withdraw it, but I have to pay back 500 yuan. A handling fee of five thousandths is charged,