What does credit card overpayment mean?

1. Credit card overpayment refers to the funds overpaid by credit card customers during repayment or the funds deposited in the credit card account. You will need to pay a certain amount of fees to withdraw excess payment. This amount can increase the available limit of your credit card or be used directly for consumption repayment.

2. Handling fee:

3. On March 5, 2012, the Customer Service Committee of the China Association for Trade in Services released survey results. 96.47% of customers were concerned about "paying back more credit cards." "There is still a handling fee when withdrawing money" expressed that they could not understand it. 48.06% of them felt very angry and believed that the bank had infringed on their property. The vast majority of people showed their helplessness. Basically all customers hope that banks can cancel this overbearing clause.

4. In April 2012, among the credit card services of 14 well-known domestic banks including Bank of China, Industrial and Commercial Bank of China, China Construction Bank, Agricultural Bank of China, Bank of Communications and China Merchants Bank, only four banks allowed users to withdraw overpayment from their own banks or locally. There is no withdrawal fee for withdrawals, and other banks charge mandatory fees.