Accidentally putting money into a credit card can be taken out, but there will be a handling fee. Money deposited in a credit card is called overpayment, which can be withdrawn in the following ways:

1, direct credit card consumption

There is a charge for taking out the credit card overpayment, but there is no charge for spending by credit card. Therefore, you can choose to spend money directly by credit card and use up the money accidentally deposited in the credit card;

2. Transfer to peer debit card

If you don't want to withdraw cash, you can transfer the overpaid money to your peer's debit card and use it to withdraw cash.

But the premise is that the cardholder must have a debit card from the credit card issuing bank. Secondly, it is necessary to compare whether the overpaid transfer fee is lower than the withdrawal. If the cost of the two methods is the same, there is no need to transfer money.

3. Cancel the card and withdraw the balance.

It should be noted that the order of returning the balance and canceling the card. If you withdraw the balance first and then return the card, you will also be charged a cash handling fee. However, if you sell the card first and provide your colleague's savings card account number to transfer the balance, there is no handling fee, but it will take several days to get the account. The specific rate and arrival time are subject to the bank display.

Credit card type

According to different card issuers, it can be divided into bank cards and non-bank cards.

Bank card. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or they can withdraw cash at any time at the outlets of the issuing bank or at places with ATMs.

Non-bank card. This kind of card can be divided into retail credit card and travel entertainment card.

According to the different issuing banks, it can be divided into corporate cards and personal cards.

Company card. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, state party and government organs, armed forces, organizations and other legal person organizations.

Personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources.

According to the credit status of cardholders, it can be divided into ordinary cards and gold cards.

Ordinary card. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and the requirements are not high.

Gold card. Gold card is an advanced credit card that pays a high membership fee and enjoys special treatment.

According to different payment methods, credit cards can be divided into credit cards and quasi-credit cards.

Credit card. That is, when the issuing bank provides bank credit, it overdraws first, and then repays or pays in installments. Most of these cards are used for international circulation.

Quasi-credit card It is a credit card issued by a bank, which deposits first and then consumes.

According to the different circulation scope of credit cards, they can be divided into international cards and regional cards

International card. International card is a kind of credit card that can be used outside the issuing country and is universal.

Area card. Regional card is a kind of credit card that can only be used in the country or region where the issuing bank is located. Most credit cards issued by commercial banks in China belong to regional cards.

What if the money is in the credit card?

You can deposit the money in your credit card and take it out. This method is called overpayment cash withdrawal. If you want to take it out, you can take it out directly at a bank outlet or atm. If it's too troublesome, you can spend it directly. The next time you swipe your card, you will be given priority to deduct this penny from your credit card.

credit card

The earliest credit card appeared at the end of 19. From 65438 to 1980s, the so-called credit card was developed in British clothing industry, followed by tourism and business departments. However, at that time, the card could only be used for short-term commercial credit, and the money had to be paid back as needed. There was no long-term default and no credit line.

Credit cards are generally plastic cards with a special carrier, with a length of 85.60 mm, a width of 53.98 mm and a thickness of1mm. The name of the card issuer, the expiration date, the number and the name of the cardholder are printed on the front, and the chip, magnetic stripe and signature strip are printed on the back. Cardholders can use credit cards to shop, spend money and deposit and withdraw cash from banks.

It is said that one day in 1950s, Frank McNamara, an American businessman, entertained guests in a restaurant in new york. After eating, he found that he forgot his wallet and had to call his wife to bring cash to the restaurant. He was deeply embarrassed, so McNamara came up with the idea of establishing a credit card company. 1 In the spring of 1950, McNamara and his friend Schneider jointly invested110,000 US dollars to establish DinersClub in new york, the predecessor of Diners Credit Card Company. Diners' Club provides members with a card that can prove their identity and ability to pay. With this card, members can spend money in 27 designated restaurants without paying cash. This is the earliest credit card. This kind of credit card, which does not need to be handled by a bank, belongs to commercial credit card.

From 65438 to 0952, Franklin National Bank of California, as a financial institution, issued bank credit cards for the first time, becoming the first bank to issue credit cards.

1959, Bank of America issued an American bank card in California. Since then, many banks have joined the ranks of card-issuing banks. In the 1960s, bank credit cards were quickly welcomed by all walks of life and developed rapidly. Credit cards are popular not only in America, but also in Britain, Japan, Canada and European countries. Since 1970s, Hongkong, Taiwan Province, Singapore and Malaysia have also started to handle credit card business.

What should I do if I have more money on my credit card?

The extra money stored in the credit card can be put on the credit card without taking it out, and then the credit card can be used normally. The repayment amount generated by the next bill can be deducted from the overpayment. But the disadvantage of this is that the money lying on the credit card becomes dead money and cannot generate interest. For the money returned by credit card, some banks can withdraw it directly without handling fees, but most of them are limited to local banks. For example, ICBC, China Construction Bank, Bank of China, Bank of Communications, Minsheng Bank and other banks have overpaid credit cards, and local banks (counters or ATMs) do not charge fees for withdrawals.

Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.

In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.

The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.

Main features:

1. Cash advance deposit is not encouraged. You can enjoy an interest-free repayment period and can repay in installments (minimum repayment amount). Join VISA, MasterCard, JCB and other international credit card organizations, which are universal.

Second, it is one of the fastest-growing financial services, and it can replace the traditional cash circulation in a certain range.

Third, it has two functions: payment and credit. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers.

Fourthly, it is a high-tech product integrating financial business and computer technology.

Five, can reduce the use of cash currency.

Six, can provide settlement services, convenient shopping and consumption, enhance the sense of security.

Seven, can simplify the collection procedures, save social labor.

Eight, can promote commodity sales and expand social demand.

Can I withdraw money if I accidentally deposit it in my credit card?

You can take it. If you put the money into a credit card and use it to pay it back, there will be no problem. On the repayment date, the system will automatically deduct the payment. But if you don't have unpaid bills when you deposit, or if you deposit too much, it becomes overpayment, and over time, overpayment becomes bad debts.

If the money you save becomes overpayment, you can take it out, but some bank credit cards will charge a certain percentage of the handling fee for overpayment.

Or you can transfer the overpaid money to your own savings card, you can transfer money at an outlet, or you can directly log in to online banking, mobile banking or credit card APP to transfer money, but there may be a handling fee.

Of course, you can also purchase directly by credit card, and deduct the overpayment before deducting the amount.

Regulations on credit card management

On April 20 16, the people's bank of China issued the notice of the people's bank of China on credit card business, which came into effect on October 20 17 10.

The Notice requires the upper and lower limits of credit card overdraft interest rates to be managed. The upper limit of overdraft interest rate is five ten thousandths of daily interest rate, and the lower limit of overdraft interest rate is 0.7 times of daily interest rate.

Mainly based on the following considerations: First, the implementation of step-by-step reform will help card issuers to further accumulate pricing data and experience during the transition period and guide them to improve the credit card interest rate pricing mechanism.

Second, the risk control ability and pricing ability of credit cards of various card issuers are uneven. Guiding the upper and lower interest rates will help prevent individual card issuers from blindly reducing prices and fighting price wars, which will lead to unfair competition and excessive borrowing by high-risk customers, thus increasing credit risk and causing local market chaos.

Third, under the circumstance that the information disclosure mechanism needs to be strengthened, setting an overdraft interest rate ceiling will help prevent individual card issuers from unreasonably charging excessive interest and protect the legitimate rights and interests of cardholders.

On May 25th, 20021year, the Supreme People promulgated and implemented the Provisions of the Supreme People on Several Issues Concerning the Trial of Civil Cases of Bank Cards, clarifying that people support cardholders to request the issuing bank to return the principal and interest of stolen deposits or overdrafts, liquidated damages and compensate for losses based on the legal relationship of credit card lending contracts; At the same time, it does not support the issuing bank to require credit card holders to repay overdraft principal and interest, liquidated damages, etc.

Credit loan line

Credit limit refers to the maximum overdraft limit given to your credit card by the bank when approving your credit card. You can only use your credit card within this limit. If you exceed this limit, you can't use your credit card. The credit limit is based on the comprehensive evaluation of the information filled in when you apply for a credit card and the relevant supporting documents provided. The main card and the supplementary card enjoy the same credit limit. Under normal circumstances, the RMB limit and the US dollar limit of dual-currency credit cards are interchangeable. For example, your limit is 30,000 RMB. If you use a card abroad, your credit limit is equivalent to about 5,000 US dollars.

The bank will adjust the credit limit regularly, but you can provide relevant financial proof on your own initiative and request to adjust the credit limit. In addition, when you need to get a higher credit line in a certain period of time when traveling abroad or moving, you can ask for a higher temporary credit line.

What should I do to deposit my money on an inactive credit card? It can be handled in two ways.

Inactive credit cards cannot be used, but transfer can be accepted. As long as you know the credit card, the cardholder's name and other information, you can deposit money into the inactive credit card by transfer. Some people mistakenly put money into inactive credit cards, but they can't spend it. What about inactive credit cards? Let's briefly introduce it today.

What should I do to deposit my money on an inactive credit card?

Everyone should know that inactive credit cards have not been opened. Even if the card has money, you can't spend it by credit card, and you can't withdraw it. For this reason, it will be more troublesome to deposit money in inactive credit cards. Cardholders can call the issuing bank to ask how to handle it.

1. Usually, the bank will advise the cardholder to activate the credit card and then withdraw the money deposited in it by withdrawing cash or borrowing in advance. If this method is adopted, it is necessary to pay attention to the use of credit line, calculate the withdrawal fee in advance, and deduct the fee from the deposited amount, so that there is no need to use a fixed credit card line for repayment.

2. If you don't plan to activate the credit card and just want to withdraw the money you have deposited, you usually need to go to the counter of the bank branch. The cardholder should bring this inactive credit card, his valid ID card and the bank card for collecting money to the bank outlet for help. After verifying the identity of the cardholder, the teller will transfer the money deposited in the credit card to the receipt card provided.

The above is the introduction of "How to save money when the credit card is inactive". In short, both methods can dispose of the money stored in inactive credit cards. As for which method is suitable, it depends on the cardholder's own needs.

How to use the money in the credit card?

Money deposited in a credit card can be used for credit card payment or withdrawal, which is called "overpayment".

① This sum can increase the available credit card limit or be directly used for consumer repayment;

② 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;

③ For example, 900 yuan needs to be repaid in this period, and the actual repayment is 1 1,000 yuan, and the extra 1 1,000 yuan is the overpaid part;

If you deposit money in your credit card in advance without spending it, you can't get this part of the money out. If you want to take it, you will charge a high handling fee and try to avoid it.

⑤ Pay more interest-free.

Extended data:

Although some banks have cancelled the handling fee for cash withdrawal of credit card overpayment in the same city, the bank staff reminded that when the credit card quota is sufficient, don't deposit money into the credit card easily, try to repay it in full according to the bill, or set up a debit card associated with the credit card to implement automatic deduction.

For the handling of the "overpayment" that has already occurred, bankers suggest that if the amount is small, try to "redeem" with credit card consumption. Credit card spending will take the initiative to use the "overpayment" limit by default, and then use the normal credit limit.

For the large overpayment of credit cards, the person suggested not to withdraw cash directly from the self-service equipment as far as possible: "You may wish to save the country through the bank channel-transfer the funds in the credit card to the corresponding debit card account. Relatively speaking, there is an upper limit on the transfer fee, which is lower than the overpayment fee. "