Most people will pay back how much they owe on their credit cards, and they won't say that they will pay back Carido if they are worried about overdue. After all, there are more credit cards, and banks won't give interest. In addition, if you don't use the card for a long time after over-repayment, it may form bad debts of over-repayment, which will be reported to the central bank's credit information system and recorded in special transaction records, which is much more serious than overdue.
So if you don't plan to use your credit card for a long time, and you have a credit card with prepayment, it's safer to take out more money quickly. However, the withdrawal of excessive repayment will involve the withdrawal fee, which is different according to the regulations of the issuing bank.
Unlike savings cards, the money saved in credit cards will not generate interest income, so people often choose to take it out. There are two ways to take out the overpayment of Shanghai Bank's credit card: at the counter of Shanghai Bank or at the ATM of our bank or other banks. There is no handling fee for collecting overcharged money through the counter of Shanghai Bank or ATM.
Recover the overpaid part through ATM self-service machines of other banks, and charge domestic inter-bank ATM withdrawal fees. The domestic inter-bank ATM withdrawal fee is 65438+ 0% of the RMB withdrawal amount in different places in the same city, and 2 yuan +2 yuan RMB (the lowest is 3 yuan RMB and the highest is 52 yuan RMB).
If the overpayment amount is small, you can also spend it by credit card without taking it out separately. When there is overpayment in the credit card, credit card consumption will give priority to overpayment, and when the overpayment is insufficient, the account will be overdrawn.