How does China Construction Bank check the amount of overpayment on a credit card?

You can check the overpayment on a credit card by logging into mobile banking or online banking, or you can call customer service.

When the credit card repayment amount is greater than the amount owed, the excess will be displayed as a negative number, which is the so-called overpayment.

1. Overpayment is accumulated on the credit limit, and this part of the credit will be occupied first the next time you consume;

2. When withdrawing the overpayment, payment procedures may be required Fees: Overpayment withdrawals from China Merchants Credit Card require a handling fee, usually 1%/transaction, with a minimum of 10 yuan/transaction. Some banks do not require handling fees.

How to get out the overflow on CCB's credit card

RMB overpayment: Cardholders can withdraw the overflow through the "Credit Card" - "Cash Transfer" function of CCB's mobile banking or online banking For payment, you can also withdraw the excess payment directly through the counters of CCB outlets and ATM machines.

Foreign currency overpayment: The cardholder himself calls the CCB customer service hotline 95533 and presses No. 2 to handle the refund of foreign currency overpayment through the credit card manual service.

Credit cards, also called credit cards, are credit certificates issued by commercial banks or credit card companies to consumers with qualified credit. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back.

The choice of credit card is very important. Nowadays, many commercial institutions have bundled cooperation services with banks. For example, you can apply for a joint credit card between a department store and the corresponding bank, and you can spend points here as a member and earn points. Discounts; or some cards can provide discounts at designated merchants, including dining, movies, towing services, etc. There are various names, and you can choose freely according to your own needs. Credit cards should be used wisely and chosen wisely.

Bill installment is the most convenient installment method. Basically, all card-issuing banks can support this installment method, and the application is simple. Users only need to submit an installment application to the card-issuing bank by phone or other methods after swiping their card for consumption and before monthly bills are sent.

However, please note that each bank will stipulate some special cases. For example, speculative card swiping will not be successful in installments. So before proceeding with staging, be sure to read the staging manual carefully.

Applicants for credit cards can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country. Each unit applying for a credit card can receive 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 a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.

The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his/her basic information, etc.

And submit certain copies of documents and certificates to the card issuing bank. After the customer fills in the application form truthfully according to the content, the customer must also submit the relevant credit certificate while submitting the completed application form. The application form is accompanied by a credit card use contract. The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must have the applicant's signature.

Once there are too many credit cards, it is easy to misunderstand the repayment date of the card and not remember the credit limit of the card. It is difficult to manage, and it is easy to cause late repayment and leave a bad record. Moreover, if you swipe multiple cards to earn points, the points will be too scattered and it is not conducive to redeeming gifts. Therefore, it is recommended that only 1 to 2 credit cards are enough.

How to check the remaining balance of CCB credit card

1. Open and log in to CCB’s mobile banking APP, and then click to enter “Credit Card”;

2. In “Credit Card” " page to check the balance of CCB's credit card. If there is a "-" in front of the balance, it means there is an overpayment in the credit card;

3. In addition, you can also call CCB's credit card customer service hotline to check the balance. Or go to a local CCB branch to check your credit card balance.

China Construction Bank was established on October 1, 1954.

The head office is located at No. 25 Financial Street, Beijing. China Construction Bank's main business areas include corporate banking, personal banking and treasury services. It has branches and subsidiaries in 29 countries and regions, and owns funds, leasing, trusts, life insurance, financial services, etc. subsidiaries in various industries such as insurance, investment banking, futures, and pension funds.

China Construction Bank has a broad customer base and maintains banking business relationships with a number of large enterprise groups and leading enterprises in China's strategic economic industries. Its marketing network covers major regions across the country. On June 30, 2016, the British "Banker" magazine released the "Ranking of the World's 1,000 Largest Banks", and China Construction Bank ranked second.

China Construction Bank has always adhered to the principle of doing business with integrity and strives to achieve internationally advanced corporate governance levels to continue to create value for CCB’s customers and shareholders. China Construction Bank believes that the adoption of advanced corporate governance models is one of the keys to CCB becoming an internationally competitive modern commercial bank.

In February 2017, BrandFinance released the list of the top 500 global brands in 2017, with China Construction Bank ranking 14th. In 2018, it ranked 31st among the Fortune Global 500.

China Construction Bank's business scope: credit funds loans, residents' savings deposits, foreign exchange business, credit card business, as well as policy housing reform finance and personal housing mortgage loans and other businesses.

After China Construction Bank was restructured into a state-controlled joint-stock commercial bank, its name was China Construction Bank Co., Ltd., referred to as China Construction Bank. China Construction Bank Co., Ltd. inherited the commercial banking business and related assets, liabilities and equity of the former China Construction Bank.

After the establishment of China Construction Bank Co., Ltd., strategic investors will be introduced to further diversify equity and improve the corporate governance structure. At the same time, we will continue to comprehensively promote various management reforms, promote performance improvement, and strive to build China Construction Bank Co., Ltd. into a modern joint-stock commercial bank with sufficient capital, strict internal control, safe operation, good services and benefits.

That’s it for the introduction of CCB credit card overpayment inquiry.