1. consumption. If the amount is not large, you can wait until the credit card limit. Then the next time you spend, spend the overpaid part first.
2. Cash transfer out. The overpaid part can be directly transferred to the bank card in my name at the counter or designated self-service equipment. This is also free.
3. withdraw cash. Generally, the withdrawal of credit cards will generate handling fees and interest. Except for overpayment. The extra money in the credit card can be taken out at the counter without paying the handling fee. However, according to the principles of credit card bookkeeping and risk management, it is generally necessary to bring my ID card when depositing or after depositing.
In the regulations on the use of credit cards, ATM withdrawals are basically charged. Usually the standard is 0.5% of the withdrawal amount, and the minimum charge is 5 yuan. The handling fee for overseas cash withdrawal is higher, depending on the bank. If there is "overpayment", the withdrawal fee will still be charged according to the credit card withdrawal standard. In this case, the cardholder can transfer the overpayment on the credit card to the debit card of the same name of any bank, and then withdraw cash, which can reduce the handling fee.
The so-called "overpayment" refers to the funds paid by the credit card holder when repaying, or the funds deposited in the credit card account that exceed the credit limit. At present, most banks will charge a cash withdrawal fee for the "overpayment" of credit cards. It is generally not recommended to deposit "overpayment" in a credit card. However, when some banks waive the cash handling fee for overpayment, we immediately found that overpayment can also have many "wonderful uses" as long as we master the methods. Generally speaking, we don't recommend saving money in a credit card, because the money deposited in a credit card will not directly become a "deposit", but will automatically pay off all the arrears first; If there is extra money, it will become an "overflow deposit". Under the current regulations of banks, overflow deposits will not bring any interest income, and cardholders may have to charge a handling fee for withdrawing cash. However, now, the situation has changed, and some banks have implemented the policy of free handling fee for cash withdrawal of credit card overpayments. In this case, as long as we cooperate with certain skills, we may be able to let the credit card that was originally a "burden" overflow and skillfully play a certain role to facilitate our lives. Mainly reflected in:
1. WeChat cash withdrawal. From March 20th 1 6th1day, WeChat will charge a handling fee of 0. 1% of the withdrawal amount for each person who exceeds the amount of 1000 yuan. However, there is no charge for the funds in WeChat change, whether it is direct consumption or credit card repayment. Therefore, smart cardholders have come up with a trick-if there is a lot of money to withdraw, you can repay it with a credit card first, deposit the money in the credit card, and then transfer the excess money to a debit card through free withdrawal to avoid the handling fee for direct withdrawal.
2. Withdraw cash from abroad. When it comes to overseas cash withdrawal, the first thing that comes to mind is debit cards, because usually credit card cash withdrawal not only has handling fees, but also overdraft interest (overdraft cash withdrawal does not enjoy interest-free period). However, even debit cards are few and far between. At present, there are some all-currency credit cards, which have introduced preferential activities of free handling fees for overseas cash withdrawals (interest on cash withdrawals is inevitable). Deposit excess deposits into the card in advance, which can not only avoid handling fees, but also avoid overdraft interest.
3. Withdrawal from different places. Compared with the past, the fees for cross-bank and off-site withdrawals of debit cards are greatly reduced, and many banks are even free. However, due to the different policies of different banks, some banks still charge a certain fee for withdrawing money from different places. For this reason, some people think that you can use the function of free cash withdrawal from credit card overpayment (some credit cards can withdraw overpayment from different places for free) to realize free cash withdrawal from different places.