How to withdraw the overpayment from CCB credit card?

It can be withdrawn directly through ATM, or transferred out through transfer. The local bank operates the cash withdrawal, or transfers to the local bank's debit card with no handling fee.

Steps for transferring excess payment from China Construction Bank

(1) Withdraw from the ATM machine of China Construction Bank. The specific withdrawal method is the same as using a credit card to withdraw cash from an ATM machine. Note: When withdrawing excess payment through an ATM machine, you can withdraw up to 2,000 yuan per day.

(2) Take it out at the counter of a China Construction Bank branch. The specific withdrawal method is the same as using a credit card to withdraw cash at the counter. Alternatively, the cardholder can handle the process at the counter according to "Recover Overpayment".

(3) Withdraw excess payment through personal online banking. The specific steps are: First, the cardholder must log in to the personal bank. After that, the cardholder can click "Credit Card", "Card Account Transaction" and "Cash Transfer" in order to transfer the overpayment.

According to the announcement released by China Construction Bank on its official website, starting from April 1, 2012, customers no longer need to pay handling fees when withdrawing local overpayment cash at China Construction Bank's business outlets.

Since the payment model of credit cards is consumption first and repayment later, banks do not welcome cardholders to charge money to their credit cards. This is why most banks charge users a handling fee when they withdraw overpayments. At the same time, banks do not charge interest on overpayments. Most of the overpayments deposited into the credit card by cardholders are used to increase the available limit of the credit card or directly make consumption repayments.

How can I withdraw the money I overpaid on my CCB credit card?

There is a certain handling fee for withdrawing the overpayment from a China Construction Bank credit card. Overpayment on a credit card forms an overpayment. The overpayment stored in the credit card does not accrue interest. If you want to withdraw the overpayment, you can withdraw it through CCB outlets or self-service terminals.

1. In-city withdrawals and overpayments within the CCB system are free of charge.

2. When using a CCB credit card to withdraw RMB from CCB ATMs or ATMs with the "UnionPay" logo in other places in China, as well as CCB outlets, the payment is 0.5% of the cash withdrawal amount, with a minimum of RMB 2 and a maximum of RMB 50. Cash withdrawal fees.

3. When withdrawing local currency at overseas bank acceptance outlets with the VISA or MasterCard logo, and withdrawing local currency from ATMs marked with the [PLUS] or [CIRRUS] logo, the rate is 3% of the cash withdrawal amount. There is a minimum withdrawal fee of $3.

4. When withdrawing local currency from an overseas ATM with the "UnionPay" logo, the cash withdrawal fee is "1% of the cash withdrawal amount of 12 yuan (currently 0.5%)", of which the cash withdrawal fee is 1% of the cash withdrawal amount. % (currently based on 0.5%) is calculated as a minimum of 2 yuan and a maximum of 50 yuan.

I accidentally paid off my CCB credit card twice. What should I do? Will it be refunded?

The funds deposited into the CCB credit card will first repay the entire credit card balance. If there is still remaining funds, it will be the credit card overpayment. In addition to giving priority to consumption, customers can also spend it in the following ways :

1. RMB excess payment: You can transfer RMB excess payment to your bank savings account or other through mobile banking, personal online banking "credit card-cash transfer" function, branch counters, and self-service equipment For credit cards, overpayment funds can be transferred to our bank's accounts in the same city without handling fees; cardholders can also withdraw cash from overpayments through CCB outlets or self-service equipment, and there is no handling fee for overpayment withdrawals from local branches. (Note: Since the Dragon Card E payment card does not have a physical card, when withdrawing cash, you can use "Dragon Card Cloud Quick Pass" to withdraw cash from the main credit card account through contactless methods at ATMs marked with the UnionPay "Quick Pass" logo).

2. Foreign currency overpayment: After calling 95533, press the # key, select "3 Credit Card Services", and use manual service to refund the foreign currency overpayment to the debit card.

(In case of business changes, please refer to the actual situation.)

What should I do if I have an overpayment of more than 50,000 yuan on my China Construction Bank credit card?

You can It will be used first when making consumption, and can also be returned to your bank savings account.

Take China Construction Bank as an example. Credit card overpayment (referring to the remaining funds in the card after offsetting all the credit card repayments) can not only be used first when making consumption, but also can be used in the following ways. Expenditure:

1. RMB excess payment: You can transfer the RMB excess payment to your own bank savings account or credit card through outlet counters, ATMs, and smart teller machines, and the excess payment funds can be transferred to the bank. There is no handling fee for accounts within the same city of the bank;

Cardholders can also directly withdraw cash for overpayments through CCB outlets or CCB ATMs. There is no handling fee for cash withdrawals for overpayments at the local bank. There is no handling fee for overpayment withdrawals. Collect interest (Note: Since the Dragon Card E payment card does not have a physical card, when withdrawing cash, you can use "Dragon Card Cloud Quick Pass" to conduct contactless cash withdrawal transactions from the main credit card account at ATMs marked with the UnionPay "Quick Pass" logo).

2. Foreign currency overpayment: Call 95533 and press No. 2 to process the refund of foreign currency overpayment to the debit card through the credit card manual service.

Extended information

The overdue credit card of China Construction Bank affects the use

If the credit card is overdue for more than 30 days, the China Construction Bank system will automatically control the credit limit of the card. Only 50% of the credit limit can be used temporarily; if it exceeds 60 days, the card cannot be used temporarily; if it exceeds 90 days, the card will be forcibly suspended and all accounts under the name will be frozen.

If the payment is late within 90 days, as long as the minimum repayment amount is paid, the system will automatically restore the use of the entire credit limit. If the payment is more than 90 days late, you need to pay off all the overdue amounts in the account before applying. CCB will handle it based on the customer's actual situation.