1. Credit card repayment is excessive, which can be used as the next repayment, direct cash withdrawal, online banking transfer, etc.

2. There are several ways to solve the problem of credit card overpayment:

1) as the next repayment: the overpaid amount can be put on the credit card without withdrawal, and then used for normal credit card consumption. The repayment amount generated by the next bill can be deducted from the overpaid amount. But the disadvantage of this is that the money lying on the credit card becomes dead money and cannot generate interest.

2) Some banks can withdraw cash directly: Some banks can directly withdraw the money returned by credit cards without handling fees, but most of them are limited to local banks. Such as ICBC, China Construction Bank, China Bank, Minsheng Bank and other banks, there is no handling fee for handling credit card overpayments at local banks (counters or ATMs); The local bank of Shanghai Pudong Development Bank stipulates that retrieval is free of handling fee, and our bank will charge 0.5% handling fee for ATM retrieval, with the lowest fee of 5 yuan. If it is not a bank to withdraw cash, a certain handling fee may be charged. For example, ICBC charges each 2 yuan across banks; China Construction Bank charges 1% handling fee for picking up goods in different places, with the lowest 2 yuan and the highest 50 yuan;

3) Online banking transfer of some banks: In case of accidental overpayment, some banks can transfer money to their savings cards through online banking in addition to ATM and counter cash withdrawal. Different banks will have different policies for overpaying online banking transfers. The cardholder can call the customer service phone of the bank for details.

4) Next repayment. If there is still a lot of money in the credit card, you can also leave the money in the card and wait for the next repayment. In this case, you don't have to worry about the next repayment, and you can safely overdraw in advance.

5) Transfer and remittance. If there is extra money in the credit card, you can also transfer the extra money to other bank cards through the transfer function of the credit card. In this case, there is generally no handling fee, which can save some trouble.

I would like to remind you that a credit card is not a savings card, and there is a handling fee for withdrawing cash by credit card. No matter whether you really withdraw cash or withdraw more money, you have to charge a handling fee, which is generally 0.5%-3%.

Overpayment refers to the extra money paid by credit card customers or the funds deposited in credit card accounts. For example, the current bill needs to be repaid 65,438+0,500.00 yuan, and the actual repayment is 65,438+0,500.00 yuan. The extra RMB 65,438+0,3500.00 is the overpayment.

The disadvantage is that putting it in a credit card will not generate interest, and the bank will charge a certain fee for taking it out. According to the traditional practice of banks, the handling fee is generally 1% of each withdrawal amount, ranging from 2 yuan to 100 yuan.

The advantage is that it can increase the available credit cards and can also 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.

Nowadays, the competition in the credit card market is very fierce. With the cancellation of overpayment and overcharge by banks, more banks will follow suit in the face of strong market competition pressure.

How can I pay back more credit cards?

How to pay back too much credit card repayment, the solution is as follows:

If the credit card is overpaid, the bank generally does not pay it back. If you want to withdraw cash, you can only withdraw it by credit card. Banks will charge interest for cash advance, and the cash advance fee of each bank is different.

When the credit card is repaid, the excess will be left in the credit card as overflow, which can be used normally by swiping the card or used for online consumption, and the bank does not charge interest. If there is a credit card debt, then the overflow will automatically make up the credit card debt.

1, as the next repayment: the overpaid amount can be put on the credit card without withdrawal, and then the credit card can be used normally, and the repayment amount generated by the next bill can be deducted from the overpaid amount. But the disadvantage of this is that the money lying on the credit card becomes dead money and cannot generate interest.

2. Some banks can withdraw cash directly: some banks can withdraw cash directly, and there is no handling fee for the money returned by credit cards, but most of them are limited to local banks. Such as ICBC, China Construction Bank, China Bank, Minsheng Bank and other banks, there is no handling fee for handling credit card overpayments at local banks (counters or ATMs); The local bank of Shanghai Pudong Development Bank stipulates that retrieval is free of handling fee, and our bank will charge 0.5% handling fee for ATM retrieval, with the lowest fee of 5 yuan. If it is not a bank to withdraw cash, a certain handling fee may be charged. For example, ICBC charges each 2 yuan across banks; China Construction Bank charges 1% handling fee for picking up goods in different places, with the lowest 2 yuan and the highest 50 yuan;

3. Online banking transfer of some banks: If you accidentally overpay, some banks can transfer money to their savings cards through online banking in addition to ATM and counter cash withdrawal. Different banks will have different policies for overpaying online banking transfers. The cardholder can call the customer service phone of the bank for details.

4. Next repayment. If there is still a lot of money in the credit card, you can also leave the money in the card and wait for the next repayment. In this case, you don't have to worry about the next repayment, and you can safely overdraw in advance.

5. Transfer and remit money. If there is extra money in the credit card, you can also transfer the extra money to other bank cards through the transfer function of the credit card. In this case, there is generally no handling fee, which can save some trouble.

What if there are too many credit cards?

What if there are too many credit cards?

After the credit card is overdrawn, the cardholder needs to repay, and some users may pay more if they are not careful. Then, what if there are more credit cards? Will the extra money be wasted?

Don't worry, if you accidentally overpay when you repay by credit card, part of the money repaid by credit card will not be wasted. The overpayment of a credit card is called overpayment, which is exactly equivalent to the cardholder depositing a sum of money in the credit card, but this "deposit" has no interest. For the overpaid part, users can use credit cards or go to bank outlets to withdraw money.

1. Credit card consumption.

If the credit card repays too much and there is an overpayment in the card, the consumption funds that the cardholder will deduct from the card first when swiping the card are overpayments, and the credit limit will be deducted only after the overpayment is consumed. For example, when the user repays more than 1 1,000 yuan, the cardholder has just spent 1 1,000 yuan in the current period, so the user does not need to repay the current consumption funds by the repayment date.

draw cash

When the credit card pays more money, you can also go to the bank to withdraw the excess, but it is generally not recommended because the bank will charge a handling fee for the excess withdrawal, which is usually 0.5%-3% of the withdrawal amount. However, at present, some banks have cancelled the overpaid cash withdrawal fee. It is suggested that users can consult the following card-holding banks to find out whether to charge the overpayment cash withdrawal fee at present.

Credit card repayment method:

At present, there are many repayment methods provided by banks. Users can make repayment through the bank ATM, deposit it directly into the credit card, or make repayment through WeChat wallet or Alipay. For this way, it is suggested that the repayment person should remember clearly the amount he should pay and avoid overpaying or underpaying. Users can also set up automatic repayment by binding accounts. The automatic repayment bank will deduct money according to the bills payable, and there will be no phenomenon of paying more or less. Users can also repay through mobile banking. Generally, mobile banks can read their bills clearly, read their bills clearly, and then make repayment. There is usually no problem.

Can I withdraw money if my credit card repays too much?

Credit card repayment is too much, and the extra money can be taken out for cash withdrawal.

Extra money can be taken out; It's also a cash withdrawal. The extra money in a credit card is called overpayment. This part of the money can be taken out, but you have to pay a certain fee. Different banks charge different fees for the withdrawal of credit card overpayments, ranging from 0.5% to 3%, from 1 yuan -30 yuan to 50 yuan -500 yuan.

The extra money stored in a credit card is called overpayment. You can take out the overpaid money or leave it in your credit card to pay off the next credit card bill. However, it should be noted that some banks need a handling fee to withdraw the overpaid part, and the regulations of each bank are different.

Some banks even have a minimum charge, but the maximum charge is not capped, so if it is not necessary, I suggest that you can leave the money in your credit card and repay it as the next credit card bill. And the money transferred to the credit card has no deposit interest. If there are not many suggestions, slowly consume them. If there are many, you should apply for overpayment to get them back. Some banks charge for credit cards, so it is recommended to consult bank customers before taking them out. In addition, not only the handling fee will be charged (some banks will waive it), but also the daily interest of 0.5%, from the date of cash withdrawal to the date of full repayment (including principal, interest and handling fee). If it is not necessary, it is recommended that bank cards should not be withdrawn as much as possible. Don't repay according to the billing date after cash withdrawal, because there is still cash withdrawal interest to be paid between the billing date and the repayment date, but it will not be reflected in the current bill. It is suggested that the bank card pay an extra 100 yuan (as the case may be) to offset the interest.

1. At present, the overpaid credit card can be withdrawn, but it can also be divided into these two situations. First of all, the first one is to save more money, that is, to withdraw cash from credit card overpayments. The handling fee charged for this withdrawal varies according to different bank withdrawal regulations. Secondly, the other is credit card overdraft cash withdrawal, that is, the loan amount is withdrawn within the credit card limit, and the bank will withdraw the cash withdrawal fee and calculate the interest according to the cash withdrawal regulations.

2. Credit card repayment means that when the cardholder's credit card consumption reaches the final repayment date, in order to ensure the cardholder's good credit record, the bill consumption funds will be returned to the bank. In addition, I would like to remind you that when choosing a credit card, you should ask clearly what repayment methods the bank supports and try to handle credit cards with more diversified repayment methods. Don't be fooled by petty profits such as "credit card shopping discount" After all, the convenience of credit card is the most important thing.

This is the end of the introduction on how to take out more credit cards and how to take out cash with more credit cards. I wonder if you have found the information you need?