What is overpayment? Overpayment is a credit card deposit, and the bank does not calculate and pay interest, which is completely different from a savings card.
(1) In the regulations on the use of credit cards, withdrawal fees are basically charged for ATM withdrawals, and the usual standard is 1% of the withdrawal amount, with a minimum of 10 yuan; The handling fee for overseas cash withdrawal is higher.
(2) If there is "overpayment", the withdrawal fee will still be charged according to the credit card withdrawal standard.
Netizen question: My Industrial Bank credit card is overdrawn by 1 0,000 yuan. If I deposit 3000 yuan at this time and then withdraw 3000 yuan, how should the bank charge?
1. First of all, the "overpayment" of this card should be shown as 2000 yuan in theory, which does not include other expenses;
2. If it is necessary to withdraw 3,000 yuan, 2,000 yuan is "overpaid" self-owned funds, and another 1 0,000 yuan is used within the credit line according to the cash withdrawal amount. Assuming that all withdrawals are made on ATM machines, there will be two parts in cash withdrawal, of which 2000 yuan is calculated according to the overpaid part (five thousandths of the handling fee), that is, 1000 yuan, and 1000 yuan is 2% of the handling fee, that is, 20 yuan and 30 yuan.