How to top up a credit card?

I don’t know which situation you are talking about, but if you want to recharge your bank card, there are generally only two ways. First, if you have cash with you, you can take it with you. With your credit card and the cash around you, go to the ATM belonging to the bank where your credit card is located. You can take the bank card yourself and then put the cash in, so that you can recharge the bank card.

The second situation is that if you have money in WeChat or Alipay, and the credit card bound to your WeChat and Alipay, then you can load the money into the credit card, which does not require you Go to the bank to recharge your bank card. This method is relatively simple, but it requires you to pay a 0.1% handling fee. If you have a deposit of tens of thousands, it is still recommended that you go to the bank to deposit it. It will be better because there is no handling fee.

But if you want to increase your credit card limit, then you should upload your own employment certificate and then apply for your credit card limit to the bank for approval. But under normal circumstances, we do not It is possible to manually intervene in the credit card limit. If we want to increase the credit card limit, generally speaking, we can use the credit card more often, and do not overdue it. We must pay it back on time. In this way, our credit card limit will slowly increase. rise.

For people who have no credit card limit at all, if you are a student, then even if you have a work certificate and no diploma, you cannot apply for any limit. If you are not a student, And if you are an adult and have certain proof of income and work, then you can upload these materials to your mobile banking app, and then the system will review you and give you an approval limit. In this way, your credit card There will be a certain amount. But under normal circumstances, if you are not very short of money, don't pay with a credit card, because excessive consumption is also a bad behavior.

Does charging money to a credit card count as a limit?

Charging money to a credit card counts as a credit limit.

If you deposit money into the China Merchants Bank credit card, the limit can be increased, and the deposited "overpayment" will be used first for payment.

① This amount can increase the available limit of the credit card, or be used directly for consumption repayment;

② If there is an overpayment on the credit card, the overpayment will be deducted first, and then If the credit limit is deducted and the overpayment is greater than the consumption amount, it will not form an overdraft;

③For example, if 900 yuan is required to be repaid in this period, and the actual repayment is 1,000 yuan, the excess 100 yuan is the overdraft. ;

④ If you deposit money into your credit card in advance without consumption, you cannot withdraw this money. If you want to withdraw it, you will be charged a high fee, so you should try to avoid it. ;

⑤ Overpayment does not accrue interest.

As for the handling fees for "overpayment" of cash withdrawals by credit card holders, the charging bank stated that although the credit card holders withdraw their own money, it takes up the bank's relevant resources. Credit card processing is cumbersome in terms of deposit and withdrawal accounts, and credit cards are used to encourage customers to spend, not for cardholders to use them as savings accounts, so the charges are reasonable.

Moreover, "overpayment" does not include interest. In other words, there is no benefit to "recharging" your credit card in advance and then spending it. If the cardholder wants to increase a certain credit limit, he or she can apply for a temporary limit from the bank's customer service center. There is no need to rely on "overpayment" to increase spending power.

Why does Minsheng Bank’s credit card need to be charged?

The reasons why Minsheng Bank’s credit card needs to be charged are as follows

Cash recharge means that the cardholder uses the credit card’s cash advance limit. The funds are transferred to the payment account opened by the person at a non-bank payment institution.

In other words, if you are in urgent need, you can transfer the pre-borrowed funds in your credit card to a third-party payment account allowed by the People's Bank of China, and then withdraw it to the bound savings card.

You can recharge money, but there is a handling fee for withdrawing money from your credit card. So generally credit cards are not used to save money. Can be used for overdraft.

Can I transfer money to my credit card if the money is untouched?

Credit cards can be used to save money, but there is no interest.

When the credit card repayment amount is greater than the amount owed, the excess will be displayed as a negative number, which is the so-called overpayment.

1. Overpayment is accumulated on the credit limit, and this part of the credit will be occupied first the next time you consume;

2. When withdrawing the overpayment, payment procedures may be required Fees: Overpayment withdrawals from China Merchants Credit Card require a handling fee, usually 1%/transaction, with a minimum of 10 yuan/transaction. Some banks do not require handling fees.

How to solve the problem of credit card repayment prompts

If there is any discrepancy, we will directly make a reversal and return the excess deduction to the card

1. Transaction reversal means that the transaction was unsuccessful. When an abnormality occurs in a credit card transfer such as transaction timeout, the transaction party initiates an automatic or manual bank credit card transfer transaction reversal, cancels the original transfer transaction, and the money you transferred is over. It will be credited back to your card. 2. Batch automatic correction means that when a certain party returns a timeout, the system does not perform correction immediately. It only records some keywords in the transaction into a specific database or file, and concentrates them on a certain party to complete at a specific time. Automatic correction. In practical applications, the time for batch automatic correction can be a single time point or multiple time points. For multiple time points, a frequency can be set through parameters. The automatic correction program can be based on this frequency. Initiate a batch automatic correction at a scheduled time. The batch automatic correction is mainly used in the batch-to-real-time deduction business. Since this kind of business does not interact with the operator in real time during the processing, you can choose to delay the correction. 3. The adoption of the automatic correction mechanism not only greatly reduces the possibility of single-sided accounts, but also ultimately improves the security, stability and ease of use of the agency business system. When developers design and develop the actual system, There are also some details that need to be considered, such as whether the system will reinitiate the transaction after automatic correction, etc.

That’s it for the introduction to credit card charging.