Please note, take CCB credit card as an example: if you want to withdraw the overpaid part, you can withdraw it at CCB outlets or self-service terminals in the province where the CCB credit card issuer is located. The withdrawal fee in the same city is free, and the overpaid part can be withdrawn with interest.
CCB's customer service staff said that there is no handling fee for CCB's credit card withdrawal deposits in different places, but credit card deposits must be withdrawn after 24 hours. Moreover, the credit card of CCB cannot be directly transferred to the debit card, and it must be taken out from the credit card and deposited in the debit card.
Although credit card overpayment is common, cardholders should pay attention to one thing:
1. Overpayment is a credit card deposit, and banks don't charge interest, which is different from savings cards.
2. Credit cards are required to charge a handling fee. The problem of cost should be considered from two aspects:
(1) According to the regulations on the use of credit cards, cash handling fees are basically charged for ATM withdrawals. The general standard is 1% of the cash withdrawal amount, and the minimum charge is 10 yuan; The overseas cash withdrawal fee is also higher.
(2) If there is "overpayment" at the ATM, you still need to charge the withdrawal fee according to the credit card withdrawal standard. In this case, you have to go to the counter according to the procedure of "overpaying for more", and the handling fee is low.