Accidentally putting money into a credit card can be taken out, but there will be a handling fee. Money deposited in a credit card is called overpayment, which can be withdrawn in the following ways:

1, direct credit card consumption

There is a charge for taking out the credit card overpayment, but there is no charge for spending by credit card. Therefore, you can choose to spend money directly by credit card and use up the money accidentally deposited in the credit card;

2. Transfer to peer debit card

If you don't want to withdraw cash, you can transfer the overpaid money to your peer's debit card and use it to withdraw cash.

But the premise is that the cardholder must have a debit card from the credit card issuing bank. Secondly, it is necessary to compare whether the overpaid transfer fee is lower than the withdrawal. If the cost of the two methods is the same, there is no need to transfer money.

3. Cancel the card and withdraw the balance.

It should be noted that the order of returning the balance and canceling the card. If you withdraw the balance first and then return the card, you will also be charged a cash handling fee. However, if you sell the card first and provide your colleague's savings card account number to transfer the balance, there is no handling fee, but it will take several days to get the account. The specific rate and arrival time are subject to the bank display.

Credit card type

According to the different card issuers, it can be divided into bank cards and non-bank cards.

Bank card. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or they can withdraw cash at any time at the outlets of the issuing bank or at places with ATMs.

Non-bank card. This kind of card can be divided into retail credit card and travel entertainment card.

According to the different issuing banks, it can be divided into corporate cards and personal cards.

Company card. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, state party and government organs, armed forces, organizations and other legal person organizations.

Personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources.

According to the credit status of cardholders, it can be divided into ordinary cards and gold cards.

Ordinary card. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and the requirements are not high.

Gold card. Gold card is an advanced credit card that pays a high membership fee and enjoys special treatment.

According to different payment methods, credit cards can be divided into credit cards and quasi-credit cards.

Credit card. That is, when the issuing bank provides bank credit, it overdraws first, and then repays or pays in installments. Most of these cards are used for international circulation.

Quasi-credit card It is a credit card issued by a bank, which deposits first and then consumes.

According to the different circulation scope of credit cards, they can be divided into international cards and regional cards

International card. International card is a kind of credit card that can be used outside the issuing country and is universal.

Area card. Regional card is a kind of credit card that can only be used in the country or region where the issuing bank is located. Most credit cards issued by commercial banks in China belong to regional cards.

The credit card has been transferred by others many times.

It was stolen.

Credit cards have been transferred by others many times, which can be considered as stolen credit cards. There are usually two situations in which credit cards are stolen: one is that criminals directly use the original card to swipe their cards or withdraw cash. This situation is mostly because cardholders have lost their credit cards and leaked their passwords. The other is that criminals forge credit cards, steal passwords and steal them in different places or online.

To improve the security of credit cards, magnetic stripe cards can be replaced by chip cards, which have higher safety factor and are not easy to be cloned; When spending by credit card, be sure to put the card in sight, see if there is any abnormality in the POS machine, and whether the trader has recorded your information; Do not leave card information, including, expiration date, verification code, etc. At the same time, avoid leaving the cardholder's personal information, such as name, phone number, address, etc. When you come back from overseas travel, you'd better change your card if you have a credit card record abroad.

What should I do if the money in the bank card is transferred for no reason?

Suggest alarm handling.

Personal protection

First, improve the laws and regulations of bank cards as soon as possible. From 65438 to 0999, the People's Bank of China promulgated and implemented the Measures for the Management of Bank Card Business, but with the passage of time, some contents in the original measures have not met the needs of the development of the situation. The Bank Card Management Regulations should be promulgated as soon as possible to unify the credit card risk identification standard and statistical caliber, information disclosure, cash withdrawal right and business withdrawal mechanism, so as to provide guarantee for the risk management and healthy development of the bank card business.

The second is to establish and improve the personal credit system and improve the supervision mechanism of bank card business. All banking financial institutions shall actively coordinate and provide the true information of the applicant's income and credit record. At the same time, in view of malicious overdraft and fraud in credit card transactions, we will jointly establish a blacklist sharing mechanism, strive to build a unified national cross-regional and cross-industry personal credit information system, ensure risk information sharing, and further reduce the risk control cost in bank card business.

The bank card is in my own hand, but the money inside has been transferred away. What should I do?

Solution: 1 Call the police (if this situation is timely, it may be saved) 2. Call the corresponding bank to ask about the specific situation, because sometimes the money in your bank card will be transferred to the bank's wealth management account first, but it will not be transferred out. In this case, the balance of your bank card will be reduced, but the amount is still on the card (provided that you have not sent the verification code to the liar). In this case, you can go to the corresponding bank counter to get your money back. 3. You can lose your bank card. In this case, it will be difficult to get it back, but you can still report the case and ask the bank to compensate you, because it is the bank's fault.

Stealing brush means that criminals use high-tech means to use other people's bank cards, credit cards and passwords to withdraw cash for their own use; An illegal act that causes property losses to the other party.

On May 25th, 2002/KLOC-0, the Supreme People promulgated and implemented the Provisions of the Supreme People on Several Issues Concerning the Trial of Civil Cases of Bank Cards. Obviously, the user's bank card has been stolen to prove that he has no responsibility and can claim compensation from the bank.

Stealing credit cards refers to the illegal and criminal acts of using other people's credit cards to steal cardholders' funds in various illegal forms. In practice, the main manifestations are that the cardholder's credit card has not been reported lost, the payment password has not been told to others, the funds have been consumed in the name of a completely strange third party, and the funds have been transferred and withdrawn.

Judging from the way of committing crimes, swiping the card mainly shows that the offenders or criminals obtain the cardholder's information by illegal means, and make fake cards according to the obtained information, and then swipe the card locally, in different places in China or abroad through ATM machines or multifunctional payment terminals (that is, POS machines) to consume the funds in the card.

Judging from the main means of committing crimes, it is mainly divided into three categories: the first category is the cardholder's information (bank, password, etc.). Intercepted by criminals or criminal suspects due to bank faults, such as installing cameras and other equipment around ATM machines to steal information, installing card swallowing devices on ATM machines, stealing funds from real cards, etc.; The second category is bank card information leakage caused by the cardholder's own fault, such as bank card loss and password leakage. , and the cardholder fails to perform the custody obligation correctly; The third category is that the reasons for bank card information leakage are unknown, such as hackers invading the banking system and stealing cardholder information to make fake cards.

This is the end of the introduction on how to deal with the transfer of credit cards and how to deal with the money transferred to credit cards by mistake. I wonder if you found the information you need from it?