In order to avoid incurring withdrawal fees, there are two options:

First, spend the deposited money with the card without any additional fees;

The other 2. Cancel the card and withdraw the balance. What needs to be noted is the order of withdrawing the balance and canceling the card. For example, the customer service staff of China CITIC Bank said that if you withdraw the balance first and then cancel the card, you will also be charged a cash handling fee. The bank's charging standard is 2, with a minimum of 20 yuan per transaction, and there is a rule that the maximum withdrawal for a single transaction is 2,000 yuan.

If you deposit an extra 5,000 yuan and need to withdraw it in three installments, you will need to pay a handling fee of 100 yuan. If you cancel the card first and provide another bank's savings card account to transfer the balance out, there will be no handling fee, but you will have to wait 3 working days for the account to arrive.

Basic knowledge about credit card repayment:

1. Three credit card repayment methods

1. Full repayment

Billing date After the bill is issued, pay the bill amount in one lump sum - this is the best repayment method and requires a large amount of funds. For example, if the current bill is 50,000, 50,000 yuan of funds will be needed.

2. Installment repayment

After the bill comes out, repay the current bill in installments. Generally, it can be divided into 3-6-9-12-18-24 installments. etc. - This is a relatively simple repayment method with less repayment pressure, and requires a certain installment fee. The handling fees analyzed by each bank are different, generally around 0.7-0.8

And they need to be borne in each period (for example, if 10,000 yuan is divided into 12 periods, the handling fee rate is 0.72, the total ***The fee that needs to be borne is 10000*0.72*12 periods=864 yuan)

3. Pay the minimum repayment amount

Each bank will give me one when issuing the bill The minimum repayment amount is generally 10% of the total amount. This is the least cost-effective repayment method and requires high interest payments. The minimum payment only ensures that there is no overdue record on our credit report, but we need to pay interest on the full amount of the bill.

2. Billing date and repayment date

1. Billing day

It is the day when the bank settles, usually once a month, depending on the application time , the billing date of each card is different. The billing date is already set when the credit card is approved and cannot be set in advance. However, you can call the bank customer service to modify it after you get the card and activate it.

2. Final repayment date

Generally speaking, the last repayment date of each bank is the 20th day after the bill date. Some banks are different, such as Communications, ICBC It is 25 days after the billing date. Investment is open 18 days after the billing date. Just check in with the bank number of the card you have.

3. Full repayment

1. Pay off the bill in one go

That is, pay the total amount of the bill in one go before the final repayment date specified by the bank. Sex repayments will be credited to the corresponding credit card account.

2. Accumulated repayment in full multiple times

The bank does not require the current bill amount to be repaid in full at once. It can be repaid in multiple installments, as long as it is Just pay the full balance before the final repayment date. What does that mean?

For example, if the current bill amount is 10,000 yuan, the bank does not require a one-time repayment of 10,000 yuan. It can repay 10,000 yuan in multiple installments, such as 3,000 yuan at a time, 40,000 yuan at a time, and 2,000 yuan at a time. , pay back 1,000 at a time, and the total amount is 10,000.