1. You can refund more credit cards, but there is a handling fee. Different banks charge different fees, generally around 0.5%. You can also leave it in your credit card as the next repayment amount, or you can directly deduct the money returned by Canedo with your credit card.

2. If there are many credit cards, there are several ways to deal with them:

3. Take it out. The money stored in the credit card can be taken out, even if it is too careless.

4. Second, save it for the next repayment. If you have more credit cards when you repay, you can also keep the money in the card and use it for the next repayment. For example, you overpaid 10 yuan last time, and the bill amount is 100 yuan this time. All you have to do is return 90 yuan's card.

5, 3, credit card consumption, credit card repayment is more, and it can be used for credit card consumption in the future. For example, if you pay back 100 yuan, and the next time you spend 200 yuan, you should deduct the 100 Yuan You, and then spend the 100 yuan of the card.

For more information about how to deal with excessive credit card repayment, please visit: See More.

How can I pay back more credit cards?

Credit card repayment is heavy. If the overpaid funds become overpaid, the user can directly withdraw the overpaid funds. However, the repayment funds have not been turned into overpayment, and users need to keep relevant evidence of two repayments. After submitting evidence to the bank, it is proved that there are repeated deductions. After the bank verifies that it is correct, the repayment funds will generally be returned in the same way within a few working days.

So there are two ways to solve the problem of heavy credit card repayment. Although the overpaid part can be withdrawn directly, some banks need to pay a handling fee to withdraw the overpaid part.

1, as the next repayment: the overpaid amount can be put on the credit card without withdrawal, and then the credit card can be used normally, and the repayment amount generated by the next bill can be deducted from the overpaid amount. But the disadvantage of this is that the money lying on the credit card becomes dead money and cannot generate interest.

2. Some banks can withdraw cash directly: some banks can withdraw cash directly, and there is no handling fee for the money returned by credit cards, but most of them are limited to local banks. Such as ICBC, China Construction Bank, China Bank, Minsheng Bank and other banks, there is no handling fee for handling credit card overpayments at local banks (counters or ATMs); The local bank of Shanghai Pudong Development Bank stipulates that retrieval is free of handling fee, and our bank will charge 0.5% handling fee for ATM retrieval, with the lowest fee of 5 yuan. If it is not a bank to withdraw cash, a certain handling fee may be charged. For example, ICBC charges each 2 yuan across banks; China Construction Bank charges 1% handling fee for picking up goods in different places, with the lowest 2 yuan and the highest 50 yuan;

3. Online banking transfer of some banks: If you accidentally overpay, some banks can transfer money to their savings cards through online banking in addition to ATM and counter cash withdrawal. Different banks will have different policies for overpaying online banking transfers. The cardholder can call the customer service phone of the bank for details.

4. Next repayment. If there is still a lot of money in the credit card, you can also leave the money in the card and wait for the next repayment. In this case, you don't have to worry about the next repayment, and you can safely overdraw in advance.

5. Transfer and remit money. If there is extra money in the credit card, you can also transfer the extra money to other bank cards through the transfer function of the credit card. In this case, there is generally no handling fee, which can save some trouble.

Please click to enter the picture description (maximum 18 words).

How to pay back the credit card if it is overpaid?

If the credit card is overpaid, the general bank will not refund it. If you want to withdraw, you can only withdraw by credit card. Banks will charge interest on cash advance, and the cash advance fee of each bank is different.

Generally speaking, when a credit card repays, the excess will be left in the credit card as an overpayment, which can be used normally by swiping the card or for online payment, and the bank will not charge interest. If the credit card is in arrears, this overpayment will automatically offset the credit card arrears.

Extended data:

1. How can I repay my credit card?

1. Credit card repayment is heavy. If the overpaid funds become overpaid, the user can directly withdraw the overpaid funds.

2. If the repayment funds are not converted into overpayment, users need to keep relevant evidence of two repayments. After submitting evidence to the bank, it is proved that there are repeated deductions. After the bank verifies that it is correct, the repayment funds will generally be returned in the same way within a few working days.

So there are two ways to solve the problem of heavy credit card repayment. Although the overpaid part can be withdrawn directly, some banks need to pay a handling fee to withdraw the overpaid part.

How to deal with the excessive repayment of credit cards? There are several ways.

As we all know, paying more money by credit card will become overpayment. For those who are not prepared to use the card for a long time, there will be certain risks, and there may be overpayment of bad debts reported to the credit information center, which will affect personal credit. Therefore, it must be dealt with as soon as possible. Then, how to deal with the excessive repayment of credit cards? Let's briefly introduce it today.

How to deal with the excessive repayment of credit cards?

Overpayment of credit cards is beyond the bank's control. The bank will not take the initiative to return the overpaid money to everyone, and the cardholder can only handle it himself. There are two common solutions, one is consumption processing and the other is cash withdrawal processing.

1. If you choose to spend, you have to spend more money at one time, neither more nor less, because if you spend more, you have to pay back the credit card limit, and if you lose it, you can't clean it up. This requires calculating the consumption amount when spending, which is consistent with the extra money. After spending, only the money in the credit card limit is left in the card.

2. If you choose to withdraw cash, you should first ask the issuing bank about the withdrawal rules for overpayment, mainly to see if there is any withdrawal fee. Under normal circumstances, most banks are free to withdraw cash for local overpayments. If there is a handling fee, the actual withdrawal amount must include the handling fee, so that the withdrawal can be completed without using the credit card limit and there is no need to repay.

Don't worry if you accidentally run out of credit line after handling it. Check the actual amount to be repaid before repayment, neither too much nor too little, so that you can return to the line given by the bank after repayment. However, if you don't plan to use the card, you should also pay attention to the annual fee deduction. If you can swipe your card free of annual fee, you should first reach the number of swipes in that year before using it.

The above is the related introduction of "How to deal with the excessive repayment of credit cards", hoping to help everyone.

So much for the introduction about how to pay back the credit card.