Question 1: What is overflow margin? After credit card repayment, if the repayment amount exceeds the payable amount, the part beyond the account is over-repayment. Overpayment does not include interest, and a higher handling fee is required when taking it out. Recommended to eat.

Question 2: What does overflow deposit mean? Overflow deposit, also known as credit card self-owned deposit, refers to the "extra" money deposited by cardholders that cannot be overdrawn. Credit card "overflow deposit" may occur after the credit card is recharged, and the amount is equal to all deposits MINUS the amount owed in the bill. Most card-issuing banks will handle the overdraft withdrawal of their own deposits for cardholders and charge a certain handling fee.

Question 3: Is it feasible to withdraw excess deposits in this way? For the "excess deposits" that have already been generated, we should try to digest them by swiping the card. After all, credit card consumption will take the initiative to use the "overflow deposit" limit by default, and then use the normal credit limit. The so-called "overflow deposit" refers to the remaining amount after the credit card holder has repaid all the payables during this period. For "overflow deposits", experts remind cardholders to have the consciousness of "don't deposit a lot of cash in credit cards" first. Besides paying the bills, they can't save as much as possible. If there is "overflow deposit" and the amount is small, try to "redeem" with credit card consumption; If the amount is large, do not use a credit card to withdraw cash directly from the self-service device.

Credit card consumption is a convenient and fast consumption channel, which is most suitable for credit card consumption. It not only has no handling fee, but also improves the level of credit cards. If you want to deposit, you still have to choose the corresponding bank debit card;

Question 4: What is credit card overpayment? The so-called overpayment refers to the excessive payment of funds by credit card customers or the funds deposited in credit card accounts. It may be necessary to pay a certain fee to take out the overpayment. This money can increase the limit of available credit cards, or 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. For example, if 900 yuan needs to be repaid in this period, the actual repayment is 1 1,000 yuan, and the extra 1 1,000 yuan is the overpayment.

Question 5: How to deal with the credit card overflow deposit? If it is a CMB credit card, when the amount deposited in the credit card exceeds all debts under the account, the extra money is called overpayment and will be automatically deducted from the credit card consumption.

Cardholders can also call our credit card service hotline and collect the overpayment by transferring the money to the debit card in their own name. The account name and ID number of the debit card used must be the same as the account name and ID number of the credit card, and only China Merchants Bank Card is accepted for the overpayment of USD.

How to get it back: call the credit card service hotline, verify your identity, and press 9 to transfer to the customer service specialist.

Handling fee for recovering the overpayment: 0.5% of the recovered amount, with the lowest 5 yuan RMB or USD 65,438+0 and the highest 50 yuan RMB or USD 65,438+00.

Note: If the overpaid part is withdrawn through the cash advance channel, the cash advance fee will be charged.

Question 6: How to get the credit card overflow deposit? When there is overpayment in your credit card account (overpayment or refund after offsetting consumption), if you want to get back the overpayment, you can apply to remit the overpayment to the designated bank account in your name (USD can only be taken back to my China Merchants Bank account). You need to pay a certain handling fee to get back the overpaid part (the business card can get back its own card for free). You may not get back the overpaid card money, and the card money will be used to deduct the amount of your card in the future. We won't pay deposit interest for the overpaid amount in your credit card account.

Question 7: What do you mean by full credit card overflow? For example, the credit card has a limit of 10000 yuan, but you pay an extra piece when you repay, so your balance is 1000 1 yuan, and that 1 yuan is an overflow deposit, which is simply extra money.

Question 8: How to make overflow deposits? I don't know which bank your credit card belongs to. ICBC's credit card overflow deposits are withdrawn at will, and no fees are charged. Some banks can't do this, and they charge a handling fee, usually 0.5% RMB.

Question 9: How to withdraw the credit card overflow deposit? Overflowing deposits can be withdrawn directly from the ATM, but if there is not much, it is recommended to spend by credit card.

Problem 10: Overpayment will occur. Credit card negative deposit exceeds a fixed amount, which is overpayment.

Overpayment is negative in the balance.

Credit card balance is positive,

It means you owe money.