How to withdraw the excess credit card (credit card)?

Credit card (debit card) over-deposit is the so-called credit card (debit card) overpayment. This overpayment can be used by credit card (debit card) or withdrawn in cash. Specific details The method of withdrawing cash is:

1. Withdraw cash through ATM/counter: Insert the credit card (debit card) into an ATM machine that supports credit card (debit card) withdrawal, and then follow the page prompts to withdraw cash; you can also go to Ask the staff at the counter to help you withdraw cash;

2. Withdraw cash through mobile banking/online banking: Find the relevant page of the credit card (debit card), and then follow the page prompts to withdraw cash.

If you don’t want to withdraw the overpayment, you can also directly use your credit card (debit card) to spend and use the overpayment.

What to do with the over-deposited money on the credit card

1. How to transfer the over-deposited amount on the credit card?

There are two ways to transfer the excess credit card balance.

One is to directly handle the cash advance business through the issuing bank’s credit card APP or online banking, etc., follow the prompts to enter the transfer amount, and provide the bank card account to be paid.

One is to call the card issuing bank’s customer service number and be transferred to a manual customer service, telling them that the excess money can be transferred, and providing the bank card account for the payment, so that the customer service can help transfer the money.

2. Notes on transferring out the excess credit card amount:

1) Transferring out the excess credit card amount is essentially an overpayment transfer, and it must be based on the credit card cash advance business. When it comes to charging handling fees, most banks charge 0.5 of the transfer amount per transaction, with a minimum of 5 yuan and a maximum of 50 yuan. However, there are also some card types that charge monthly cash advances for free.

2) When transferring the excess credit card amount, most banks can only transfer it to the savings card in your own name, and cannot transfer it to other people's bank cards;

3) Credit card When the excess deposit amount is transferred out, the arrival time will be subject to the payment behavior. If you want to get the account quickly, it is best to provide a debit card in your own name in the bank. After all, intra-bank transfers are very fast, usually the fastest. Can be credited in real time.

To sum up, there are two ways to transfer the excess credit card amount, but before transferring, you must understand clearly the handling fees involved in the transfer and the arrival time. If you find it troublesome, it is recommended to spend the excess amount directly by swiping your card.

A credit card is generally a special carrier plastic card with a length of 85.60 mm, a width of 53.98 mm, and a thickness of 1 mm. The name of the card issuer, validity period, number, cardholder name, etc. are printed on the front, and there is a chip on the back. Magnetic strip, signature strip. Cardholders can use their credit cards to shop and spend money with special entities and deposit and withdraw cash from banks.

Main Features

Pre-deposit of cash is not encouraged, consumption first and repayment later, enjoys interest-free repayment period, can be repaid in installments (with minimum repayment amount), join VISA, International credit card organizations such as MasterCard and JCB are used globally.

It is one of the fastest growing financial services today and is an electronic currency that can replace traditional cash circulation to a certain extent.

Has both payment and credit functions. Cardholders can use it to purchase goods or enjoy services, and can also obtain certain loans from card issuers by using their credit cards.

It is a high-tech product integrating financial business and computer technology.

Can reduce the use of cash currency.

It can provide settlement services to facilitate shopping and consumption and enhance a sense of security.

It can simplify the collection procedures and save social labor.

Can promote product sales and social demand.

Repayment methods

The methods within the card-issuing bank include: card-issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. After repayment, the credit card limit will be restored immediately, and the payment will generally be credited to the account after the system processes it on the same day.

WeiBank POS mobile phone and WeiBank Tong POS mobile phone are a mobile financial system personal payment terminals that can be used to directly repay by swiping cards, as well as perform transfers and other services.

Instant payment!

Transfer/remittance repayment is mainly divided into two methods: inter-bank inter-bank in the same city and inter-bank inter-bank in different places. Regardless of the method of transfer or remittance, the remittance bank will charge a certain fee. At the same time, the time it takes for the money to arrive and the convenience of repayment are not as good as intra-peer repayment, online repayment, convenience store repayment and other methods.

The more common domestic online platforms for online repayment include: UnionPay Online, Kuaiqian, Shengfutong, Alipay, Tenpay, etc. Depending on the platform and bank you choose, the charging standards and specific payment arrival time will be different.

This method of convenience store repayment is mainly completed through the "Lakala" smart payment terminal installed in the convenience store. Generally, the payment time takes 2 to 3 working days. At the same time, using this There is no handling fee for repayment.

Counter repayment counter refers to bank cards issued by various networked financial institutions, which can be used to conduct RMB current deposit and withdrawal transactions through the counters of other bank branches registered in the UnionPay exchange center host system.

The "Xinpaytong" smart credit card phone for repayment is an innovative electronic product independently developed by China UnionPay, certified by the Bank Card Testing Center, and supported by financial services provided by China UnionPay's inter-bank information exchange network.

Repayment Tong uses "Repayment Tong" to repay, and the fees are generally charged according to the fee standards for intra-city inter-bank transfers and long-distance inter-bank remittances stipulated by the local People's Bank of China.

Other methods In addition to the methods mentioned above, card issuers have also opened their own unique repayment methods in order to facilitate cardholders' repayment.

How to transfer excess deposit amount with CITIC Bank credit card?

There are two ways to transfer out the excess deposit amount of CITIC Bank credit card:

1. Call the CITIC Credit Card customer service hotline 40088-95558 to handle the matter. This bank and other banks’ debit cards are supported. The arrival time is 3-5 working days.

2. In the CITIC Bank Mobile Card space, manage the card and transfer the excess deposit amount. The specific steps are as follows:

1. Open the CITIC Bank Mobile Card APP on your mobile phone.

2. In my interface, click "Card Management".

3. In the My Bank Card interface, select the over-deposited bank card.

4. After selecting the bank card, click "Excess Deposit Transfer".

5. In the excess deposit transfer interface, select the bank card to be transferred.

6. After selecting the bank card to transfer out, fill in the "Transfer Amount".

7. After filling in the transfer amount, click "Confirm Transfer" to complete the transfer of the excess deposit amount.

Will the over-deposit on a credit card be repaid automatically? You need to be clear about these matters

Many people deposit more money when repaying their credit cards, thinking that this extra money will automatically repay the credit card debt, but in fact this may not be the case, and some banks even The cardholder will be asked to make additional repayments. Let’s take a look at what’s going on.

Will the over-deposit on a credit card be repaid automatically?

Under normal circumstances, the over-deposited money on a credit card will become an overpayment. When there is a credit card debt next month, the amount of the debt can be automatically deducted. The order of repayment is to offset the issued bills first, and then offset the unpaid bills. The order of bill repayment is generally based on annual fee, interest, cash withdrawal fee, cash withdrawal principal, card consumption amount, etc.

However, in some cases, automatic repayment may not be possible. For example, if you have multiple credit cards in the same bank, one credit card has an over-deposit amount, and another credit card has an outstanding balance. Although these two credit cards have the same limit, they have separate accounts and need to make separate repayments. It will definitely not work.

It can be seen that whether the over-deposited credit card will be automatically repaid mainly depends on the regulations of each bank. Therefore, if there is over-deposited money on the credit card, it is best to call the customer service hotline of the card issuer. Answer the manual customer service and consult the customer service clearly.

If the customer service says that automatic repayment is possible, you don’t need to do it manually.

If automatic repayment is not possible, the cardholder will need to withdraw the over-deposited amount and repay it to the credit card, or apply to customer service to repay the over-deposited amount. In this case, credit card transfer fees may be involved. .

In short, whether the over-deposited credit card will be automatically repaid depends on the situation, and is ultimately subject to the regulations of each bank. Therefore, when repaying, be sure to consult customer service for relevant matters and try your best to Avoid being unable to repay automatically and causing overdue payments.

Why does a credit card (debit card) display over-deposit?

If the user's credit card (credit card) deposits excess money into the credit card (credit card) without overdraft, then the credit card (credit card) will be displayed as overdraft. live. As long as the user uses a credit card (debit card), the system will give priority to deducting the over-deposit amount, so that the over-deposit problem can be solved quickly. Of course, the over-deposited amount can also be withdrawn, but withdrawals require payment of handling fees, and users who choose to withdraw need to bear certain financial losses.

For users, it is normal for overpayments on credit cards (credit cards). As long as users continue to use the cards, the issue of overpayments does not require excessive attention.

What should I do if I have excess money on my credit card? There is even a charge for withdrawing your own money!

In order to avoid overdue credit cards, many cardholders will repay a little more when repaying. The amount that exceeds the amount owed for the month becomes over-deposited money. So what do you do with the excess money on your credit card? There are two main solutions, one is to withdraw cash, and the other is to consume. Let’s learn about it together.

In fact, the excess money on a credit card is what we call overpayment. It is usually due to depositing money into the credit card or repaying the amount that exceeds the amount owed. Although this money is our own Yes, but depositing money will not generate interest. If you do not use the card for a long time, it is easy to form bad debts.

However, there are usually two ways to solve the problem of over-deposited money:

1. Withdrawal of excess payment:

The over-deposited money can be withdrawn through There is a handling fee for withdrawing money. The specific fees vary from bank to bank.

Previously in "How to withdraw cash from credit card overpayment?" How to withdraw cash for free? "The charging standards for overpayment cash withdrawals on credit cards of several mainstream banks are introduced, so I won't go into details here.

2. Credit card consumption:

If you have excess money in your credit card and want to withdraw cash but do not want to pay handling fees, then the best way is to spend it by swiping your card.

However, it should be noted that before swiping the card, you must clearly understand the amount of the over-deposited money. It is best to choose a product transaction with the same transaction amount as the over-deposited amount, so as to avoid using up the credit card limit. , you don’t need to make repayments.

To sum up, although the over-deposited money on a credit card is the cardholder’s own money, it is still troublesome to dispose of it. Therefore, in order to avoid this trouble, everyone must not treat the credit card as a savings card. To save money, it is best to repay according to the amount on the credit card bill, as much as you have.

This is the end of the introduction on credit card over-deposits and how to withdraw the over-deposited money on credit cards. Have you found the information you need?