There are also the following transfer methods (including handling fees):
1. Credit card overdraft withdrawal: handling fees: the regulations of each bank are different. For example, CCB credit cards are charged at .5% of the domestic cash withdrawal amount, with the lowest 2 yuan and the highest 1 yuan per transaction; Credit cards in China Merchants Bank are charged at 1% of the cash withdrawal amount, with a minimum of 1 yuan/transaction; B interest: calculated at .5% of the daily interest rate.
2. Overwithdrawal of credit cards: Some banks need to charge a handling fee, while others don't.
3. POS credit card consumption: interest-free repayment in full and on time; The minimum repayment on time shall be charged at .5% of the daily interest; Overdue repayment, in addition to the above interest, there are also late fees.
ICBC credit cards do not charge service fees and are exempt from overpayment. Credit card customers should pay a certain fee to withdraw the overpaid money when repaying the overpaid money or the money deposited in the credit card account. This money can increase the available credit card, and can also be directly used for consumer repayment. If there is overpayment in the credit card, the overpayment will be deducted first, and then the credit line will be deducted. If the overpayment is greater than the consumption amount, there will be no overdraft. Excess contributions do not bear interest. In fact, banks do not encourage cardholders to recharge their credit cards, because credit cards use the method of spending first and then repaying. Therefore, the bank stipulates that a certain handling fee should be charged for withdrawing cash from overpayment. At the same time, the handling fee for credit card over-repayment and withdrawal is different. Regarding the handling fee for "excessive repayment" by credit card holders, the charging bank said that although credit card holders withdraw money by themselves, they occupy the relevant resources of the bank. If the cardholder wants to increase a certain credit limit, he can apply to the bank customer service center for a temporary credit limit without relying on "overpayment" to increase his spending power.
: There are roughly two sources of overpayment. First, many credit card users will return more funds to their credit cards when they repay. Second, the funds deposited into the credit card account by the cardholder before using the credit card limit. These funds become credit card overpayments.