After the overpayment in the credit card appears, it can be taken out directly from the ATM or bank counter. Most banks stipulate that the first few payments are free. If there is a handling fee for withdrawing cash and overpaying, it is recommended to spend it directly by credit card.

Counter cash withdrawal: the cardholder can bring his ID card and credit card to the bank business hall, apply to the counter staff for cash withdrawal, and then enter the withdrawal password as required to take it out.

ATM cash withdrawal: The cardholder can take the credit card to the ATM, insert the credit card, enter the withdrawal password, and then withdraw money according to the interface prompts.

Overpayment generally means that the cardholder deposits more money in the credit card, which will lead to overpayment in the card. In fact, when using a third-party payment platform for repayment, the repayment can be accurate to the minute. There will be no overpayment in this repayment method, but special attention should be paid to the billing time. This method is used by many people now. But now, credit card users of Shanghai Pudong Development Bank and Bank of Communications can transfer the overpayment to our debit card name.

In normal times, cardholders had better avoid saving money in their credit cards. Although saving money in a credit card will not bring actual harm, it is not the main function of a credit card. The main function of credit card is to encourage cardholders to spend. If you spend by overpaying, you will lose the essence of the credit card, and it is inconvenient to take it out.

Note: When canceling the credit card, there can be no overpayment in the credit card. If the credit card is cancelled, it will be invalid, which needs everyone's attention.

How to take out the overflow deposit in Pudong Development Credit Card?

Overflowing deposits can be withdrawn directly from the ATM.

1. There are four ways to get back the overflow deposit:

1. If the excess deposits are withdrawn through the bank's ATMs, the withdrawal fee will be charged for the excess deposits: 0.5 yuan for each transaction, and the minimum 5 yuan.

2. Cash withdrawal when credit card overflows at other banks' ATMs: 2% for each transaction, and the minimum handling fee is 20 yuan. (The cumulative daily cash withdrawal amount of each card in the territory of ATM shall not exceed 65,438 yuan+0,000 yuan).

3. RMB overflow deposits can be withdrawn free of charge through the counters of Shanghai Pudong Development Bank outlets.

4. Call the credit card customer service hotline, and through the manual operation of customer service, the amount of RMB and USD overflow deposits can be transferred to your debit card with the same name for free, and it will be received within 1 day at the earliest.

2. Overflow deposit, also known as credit card self-owned deposit, refers to the "extra" money deposited by the cardholder without overdraft. Credit card "overflow deposit" may occur after the credit card is recharged, and the amount is equal to all deposits MINUS the amount owed in the bill. Most card-issuing banks will handle the overdraft withdrawal of their own deposits for cardholders and charge a certain handling fee.

How to transfer credit card overflow deposits

1. directly withdraw the overflow deposit from the ATM;

2. Or take out the overflow deposit through the counter of the issuing bank;

3. Users can also call the customer service hotline of the issuing bank and ask the manual customer service to transfer the excess deposit to the debit card under the name of their peers.

First, the contents of the credit card:

Nowadays, the second generation of credit information has been launched, and the content of credit card in credit information has increased a lot, which reveals the cardholder's credit card usage more comprehensively:

1, the repayment record of the credit card within 5 years will be displayed, which can reflect the personal credit situation more comprehensively;

2. The monthly repayment amount of the credit card will show that it is not feasible to make 0 bills for arbitrage in the card by prepayment;

3. After the credit card is cancelled, the repayment record will still be displayed, which means that the cancellation method of white credit information is invalid.

4. The large-scale special installment of credit cards will show that it is not feasible to hide real liabilities by installment.

2. After the cardholder successfully applies for bill installment payment, the principal of bill installment payment will be fully included in the used credit line; Recover the available credit line according to the cardholder's repayment amount in each installment.

1. The installment principal and monthly handling fee of the bill installment will be fully included in the current minimum repayment amount. When the cardholder repays, the repayment of this business is better than general consumption.

2. After the cardholder successfully applies for bill installment payment, the number and amount of installments that have been applied for cannot be changed or revoked. When the cardholder returns or cancels the transaction, he still needs to pay the principal and handling fee according to the bill installment business that has been successfully applied.

Third, there are many credit card businesses, which is well known. As long as they meet the requirements of the system, most of them can apply for credit cards. Moreover, in the regulations of many card-issuing banks, credit cards can apply for installment repayment. However, cardholders should pay attention to the fact that not everyone can suspend the installment repayment by credit card.

In the requirements of card-issuing financial institutions, the amount owed by users who apply for suspension of installment repayment of credit cards must exceed their repayment ability. At the same time, the cardholder should have a strong willingness to repay, or have already repaid part of the arrears. When the bank agrees to suspend repayment, it will sign a personalized repayment agreement with the cardholder, and the cardholder can divide the amount owed and interest into five years for repayment.

Generally speaking, after the credit card is overdue, you can apply to the bank for loss reporting. Under normal circumstances, when the cardholder fails to repay the loan within the specified time and fails to repay the loan in a short time, he can choose to apply for a credit card to suspend the installment repayment business.

How to deal with the overflow deposit?

Question 1: What is overflow margin? After credit card repayment, if the repayment amount exceeds the payable amount, the part beyond the account is over-repayment. Overpayment does not include interest, and a higher handling fee is required when taking it out. Recommended to eat.

Question 2: What does overflow deposit mean? Overflow deposit, also known as credit card self-owned deposit, refers to the "extra" money deposited by cardholders that cannot be overdrawn. Credit card "overflow deposit" may occur after the credit card is recharged, and the amount is equal to all deposits MINUS the amount owed in the bill. Most card-issuing banks will handle the overdraft withdrawal of their own deposits for cardholders and charge a certain handling fee.

Question 3: Is it feasible to withdraw excess deposits in this way? For the "excess deposits" that have already been generated, we should try to digest them by swiping the card. After all, credit card consumption will take the initiative to use the "overflow deposit" limit by default, and then use the normal credit limit. The so-called "overflow deposit" refers to the remaining amount after the credit card holder has repaid all the payables during this period. For "overflow deposits", experts remind cardholders to have the consciousness of "don't deposit a lot of cash in credit cards" first. Besides paying the bills, they can't save as much as possible. If there is "overflow deposit" and the amount is small, try to "redeem" with credit card consumption; If the amount is large, do not use a credit card to withdraw cash directly from the self-service device.

Credit card consumption is a convenient and fast consumption channel, which is most suitable for credit card consumption. It not only has no handling fee, but also improves the level of credit cards. If you want to deposit, you still have to choose the corresponding bank debit card;

Question 4: What is credit card overpayment? The so-called overpayment refers to the excessive payment of funds by credit card customers or the funds deposited in credit card accounts. It may be necessary to pay a certain fee to take out the overpayment. This money can increase the limit of available credit cards, or be directly used for consumer repayment. If the credit card has overpayment, the overpayment shall be deducted first, and then the credit line shall be deducted. If the overpayment is greater than the consumption amount, there will be no overdraft. For example, if 900 yuan needs to be repaid in this period, the actual repayment is 1 1,000 yuan, and the extra 1 1,000 yuan is the overpayment.

Question 5: How to deal with the credit card overflow deposit? If it is a CMB credit card, when the amount deposited in the credit card exceeds all debts under the account, the extra money is called overpayment and will be automatically deducted from the credit card consumption.

Cardholders can also call our credit card service hotline and collect the overpayment by transferring the money to the debit card in their own name. The account name and ID number of the debit card used must be the same as the account name and ID number of the credit card, and only China Merchants Bank Card is accepted for the overpayment of USD.

How to get it back: call the credit card service hotline, verify your identity, and press 9 to transfer to the customer service specialist.

Handling fee for recovering the overpayment: 0.5% of the recovered amount, with the lowest 5 yuan RMB or USD 65,438+0 and the highest 50 yuan RMB or USD 65,438+00.

Note: If the overpaid part is withdrawn through the cash advance channel, the cash advance fee will be charged.

Question 6: How to get the credit card overflow deposit? When there is overpayment in your credit card account (overpayment or refund after offsetting consumption), if you want to get back the overpayment, you can apply to remit the overpayment to the designated bank account in your name (USD can only be taken back to my China Merchants Bank account). You need to pay a certain handling fee to get back the overpaid part (the business card can get back its own card for free). You may not get back the overpaid card money, and the card money will be used to deduct the amount of your card in the future. We won't pay deposit interest for the overpaid amount in your credit card account.

Question 7: What do you mean by full credit card overflow? For example, the credit card has a limit of 10000 yuan, but you pay an extra piece when you repay, so your balance is 1000 1 yuan, and that 1 yuan is an overflow deposit, which is simply extra money.

Question 8: How to make overflow deposits? I don't know which bank your credit card belongs to. ICBC's credit card overflow deposits are withdrawn at will, and no fees are charged. Some banks can't do this, and they charge a handling fee, usually 0.5% RMB.

Question 9: How to withdraw the credit card overflow deposit? Overflowing deposits can be withdrawn directly from the ATM, but if there is not much, it is recommended to spend by credit card.

Problem 10: Overpayment will occur. Credit card negative deposit exceeds a fixed amount, which is overpayment.

Overpayment is negative in the balance.

Credit card balance is positive,

It means you owe money.

How to deal with the credit card overflow deposit?

Overflow deposit refers to the excess funds paid by credit card customers or the funds deposited in credit card accounts. For example, the amount to be repaid in this period is 1500 yuan, and the actual repayment amount of credit card customers is 2000 yuan, which means that the extra 500 yuan is "overflow".

Credit card "overflow deposit" may occur after the credit card is recharged, and the amount is equal to all deposits MINUS the amount owed in the bill. Most card-issuing banks will handle the overdraft withdrawal of their own deposits for cardholders and charge a certain handling fee.

If you need to withdraw more cash, you can first repay the credit card with WeChat change, deposit the funds into the credit card, and then transfer the overpaid money to the debit card through free cash withdrawal. So you can withdraw cash for free. Overflowing deposits can be put in a credit card, which will be automatically deducted after spending, or they can be taken out, but there are some handling fees, so it is not recommended to take them out.

How to extract the credit card overpayment of Shanghai Pudong Development Bank and its charging standard

There is no charge for cash withdrawal at the counter, and the interest rate of ATM cash withdrawal is 3%, with a minimum single 30 yuan.

He Xun. Com reported on the topic "Many banks join the ranks of overpayment and free access":

The staff in the lobby of the outlets of Shanghai Pudong Development Bank said that the bank doesn't charge a handling fee for withdrawing cash at the overpaid counter, but it is charged at the rate of 3% at the ATM, with the lowest single withdrawal in 30 yuan.

Extended data:

Optional online bank transfer to avoid fees.

Overpayment can be recovered through counters, ATM self-service equipment and other channels, or through other banking channels.

According to a survey conducted by the reporter of Beijing Business Today, many credit card customers said that in order to avoid being too busy and missing the repayment time, they usually put money into their credit cards in advance, and sometimes they will save more if they are not careful. In this regard, they are also worried about whether there will be a handling fee for taking out the extra money. At present, not all banks take free cash withdrawal for credit card overpayments, and the standards and scope of free cash withdrawal are still different.

Although some banks can't withdraw credit card overpayments at will, banks also give cardholders a "tip". The credit card customer service staff of CITIC Bank said that if the cardholder needs to withdraw money from his credit card, it is suggested to transfer it to another bank's savings card through the inter-bank online banking channel, or to the bank's savings card through the customer service manual channel. Both operations are free.