Question 1: What does overpayment mean? The so-called overpayment refers to the funds overpaid by credit card customers during repayment or the funds deposited in the credit card account. A certain amount of handling fee must be paid to withdraw the overpayment. This amount can increase the available limit of your credit card or be used directly for consumption repayment. Minsheng Credit Card has lower fees for overpayment withdrawals. As long as you withdraw cash from an ATM in the same city, no handling fee will be charged regardless of whether it is across banks. For cross-bank payments, the fee will be 1% of the amount, with a minimum of 1 yuan per transaction; ICBC, Bank of Communications, and Guangfa Credit Cards will charge a handling fee. There is no handling fee for withdrawing premium funds from ATMs in the same city.

Question 2: What does it mean if there is an overpayment on a credit card? It is the amount of money you have to pay back on your credit card

Question 3: What does the overpayment in the credit card mean? The overpayment refers to the remaining amount after the cardholder repays all the repayments in the current period. There is no deposit interest on overpayments. If you need to withdraw the overpayment, you need to pay a certain amount of fees. If there is an overpayment in the credit card, the overpayment will be deducted first and then the credit limit will be deducted when the card is used. If the overpayment is greater than the consumption amount, there will be no overdraft. There is no such thing as repayment.

Question 4: What does it mean when a credit card says there is an overpayment of RMB 24.5 on the statement day? Hello, if it is a China Merchants Bank credit card, it means how much repayment your credit card has. The amount of the overpayment can be offset against your credit card bill.

Question 5: What does RMB overpayment mean? RMB overpayment refers to the deposit in the credit card or the excess deposit for repayment.

Question 6: What is the meaning of credit card overpayment? The meaning of credit card overpayment is actually very simple. It means that the cardholder deposited money into the credit card when he did not use the credit limit, or used it. Partial credit limit, but more than that when it comes to repayment. Logically speaking, if you deposit too much money, you should have deposit interest just like a bank card. However, the opposite is true for credit cards. When you withdraw cash from a credit card overpayment, you will have to pay a handling fee. For general bank credit card products, when there is an overpayment, the handling fee for withdrawing cash from an ATM machine is the same as when there is no credit card overpayment (see Bank of Communications credit card cash withdrawal fees). However, if you go to the counter to withdraw cash and follow the credit card overpayment withdrawal process, the handling fee will be very low. However, China Construction Bank has canceled the terms and conditions for cash withdrawal charges for overpayment of local credit card credit cards.

Question 7: What does it mean when the balance shown on the credit card statement is a negative number? If there is still a balance on your credit card after you pay it off, it will show up as a negative number on your bill. If you still owe money, a positive number will be displayed. .

Question 8: What is the overpayment of a credit card? If the repayment amount exceeds the actual amount payable, the remaining balance is the overpayment. It’s just that interest is not included, and since the amount is not large, there is no loss. You can use it next time you swipe the card for consumption. Good luck! !

Question 9: What does overpayment on a credit card mean? Do you mean overpayment on a credit card to purchase foreign exchange?

This means that when there is no outstanding balance in the RMB account and there is enough excess deposit to repay the foreign exchange, the bank system will help you directly purchase foreign exchange based on the quoted price on the final repayment day for the U.S. dollar portion.

Question 10: Your credit card ending in 8444 currently has an overflow balance of RMB 55.85. －－－－－－－－－What does this mean? Hello, if you are using our credit card, when the amount deposited into the credit card exceeds all the outstanding balances in the account, the excess amount is called overpayment and will be automatically deducted from subsequent credit card consumption.

Cardholders can also call our bank’s credit card service hotline to receive the overpayment by transferring funds to their debit card. The account name and ID number of the debit card used must be consistent with that of the credit card. Overpayments in US dollars can only be claimed with the China Merchants Bank All-in-One Card.

Ways to get it back: Call the credit card service hotline, verify your identity, and press 9 to be transferred to a customer service specialist.

Overpayment recovery handling fee: 0.5 of the amount recovered, with a minimum of RMB 5 or US$1 and a maximum of RMB 50 or US$10.

Note: If the overpayment is withdrawn through cash advance channels, a cash advance fee will be charged.

If you have any questions about other China Merchants Bank credit cards, please search 4008205555 in QQ corporate friends and add China Merchants Bank Credit Card Center as a friend; or search the number "cmb4008205555" in WeChat and follow China Merchants Bank Credit Card Center for consultation. Thank you for your attention and support to China Merchants Bank!