This is obviously a fallacy. I can tell you for sure that credit cards have no limit on the amount of overpayment.

The amount of overpayment on a credit card is called overpayment. For example: your credit card limit is 30,000 yuan, and you currently owe 10,000 yuan when you swipe the card. Suppose you repay it at this time. If you transfer 20,000 yuan to your credit card, then all your credit card debts will be settled, and there will be an extra 10,000 yuan. This 10,000 yuan is the overpayment. Because you have paid back this 10,000 yuan more, at this time Your credit card limit will become 40,000 yuan, and subsequent card purchases will use this excess payment limit first.

As the saying goes, it is easy to eat but difficult to spit out. It is difficult to withdraw the same excess payment after depositing it. It has been reported before that someone neglected to deposit the 200,000 yuan into a savings card. I deposited money into my credit card, but when I wanted to withdraw cash, I was told by the bank that a handling fee would be charged. So once you deposit it into a bank that charges overpayment fees, you either have to sacrifice part of your income, or you have to slowly spend by swiping your card.

Another disadvantage of overpayment is that interest is not calculated on the amount of overpayment. For example, the above-mentioned overpayment of 10,000 yuan, if you place it in a savings card, it will be interest-free. Even if it is a current account after a year, there will be an interest of 35 yuan, but there will be no interest on a credit card. It will still be 10,000 yuan a year later.

Through the above analysis, we know that paying 1 yuan more will not cause the so-called consequences that are more serious than being overdue. It can be said that except for the inability to calculate interest and the possibility of being charged for cash withdrawals, there is nothing else. Influence. Since repaying one yuan more has no impact, will repaying one yuan less have serious consequences, such as overdue payment or penalty interest? I can also tell you that there will be no impact if you pay one yuan less, because banks generally have a tolerance amount (except ICBC). Most of the loan difference amounts are 10 yuan, that is, the difference within 10 yuan is regarded as the full amount. Repayment, for example, if you owe 10,000 yuan and repay 9,995 yuan, but the difference is 5 yuan, the bank will not count you as overdue. It will still treat you as a full repayment, and the 5 yuan difference will be included in the next account period.

To sum up, whether you repay 1 yuan more or 1 yuan less, it will have no impact on your credit card and will not cause any serious consequences. There is no need to worry too much.

It often happens that when you repay a credit card, you accidentally repay a few yuan, so some people worry about whether there will be any problems. There are even rumors that overpayment 1 yuan is more serious than being overdue, so today I would like to tell you carefully that there are no serious consequences for accidentally overpaying on a credit card. It’s just that the money you overpay will not accrue interest on your credit card, especially for some people. When making a payment, I accidentally transferred a large amount to my credit card. This is actually not illegal, but if you want to withdraw the money, you will have to pay a handling fee. This does not mean that you want to just casually not pay. It can be taken out at a small cost.

Generally, the overpayment on a credit card is called "overpayment". For example, if your credit card currently owes 98 yuan, and the amount you repay is 100 yuan, in fact, the original payment is 98 yuan. All the debts have been paid off, but you have an extra 2 yuan. In this case, the 2 yuan becomes an overpayment. It has no impact on your credit itself. It is just an extra 2 yuan in your credit card. The difference between this 2 yuan and a debit card is that the bank will not charge you interest.

Therefore, the most important thing is that when you repay your credit card in the future, it doesn’t matter how much you owe, such as a few cents. As long as you remember to pay it off before the overdue time, of course, try not to Overdue, otherwise your credit will be affected when you borrow money later.

Overpaying a credit card will have a certain impact on the cardholder, but it is limited to possible financial losses or convenience. Overdue credit cards can result in a bad credit report at worst, or a lawsuit and jail time at worst. Therefore, it is obviously an exaggeration and alarmist to say that overdue credit cards are more serious than overdue ones.

In professional terms, overpayment on a credit card is called "overpayment." For example, if the bill amount is 5,000, and you accidentally pay back 10,000, the extra 5,000 is an overpayment.

For cardholders, the main impacts of overpayment are as follows:

1. No interest is included, which is a unified regulation of each card issuing bank. As we all know, as long as the funds deposited in the debit card exceed the current day, interest will be calculated according to the current deposit rate. However, according to the management regulations, overpayments on credit cards do not accrue interest no matter how large the amount is or how long they are deposited. If you deposit a larger amount by mistake, you will lose interest and bring certain economic losses.

2. There is generally a handling fee for withdrawing excess payment. Once they find that they have paid back too much, especially for larger amounts, some people rush to withdraw it. At this time, the card issuing bank will charge a handling fee of 0.5-1% of the withdrawal amount, which will also cause economic losses. Of course, there is also a free method, which is to use transfer to transfer the overpayment to the bank's debit card with the same name. Generally, there is no handling fee, but many banks have daily limits and may require multiple transfers. Secondly, it can be used for future card purchases to offset bills, and there is no handling fee.

3. Credit cards with overpayment cannot be cancelled. If you feel that you have too many credit cards and are worried about annual fees and other fees so you cancel the card or close the account, you need to deal with the overpayment first, otherwise you will not be able to cancel the card or close the account.

Otherwise, there is almost no harm in overpaying on a credit card.

From a practical point of view, the advantages of overpaying a certain amount on a credit card outweigh the disadvantages, especially for cash advance business. Because there is an interest-free period for consumption overdrafts, cardholders can repay accurately at any time according to the consumption amount once the card is used for consumption and the final repayment date. However, since there is no interest-free period for cash advances, interest begins to accrue from the day of the overdraft. When the cardholder does not receive the bill, he generally does not know the specific interest rate. Especially for larger amounts, interest rates are often high, and repayment based on estimates is often not enough interest. If the amount exceeds the tolerance, it will become overdue. Over time, if you forget to repay in time, you will have a bad credit report, and the consequences will be serious. . Therefore, for those who want to borrow cash in advance, it is beneficial to save more to be prepared. For cash advance repayments, it is recommended to check the available credit limit of the credit card after the repayment date to confirm whether the principal and interest have been repaid in one go to avoid causing a bad credit report.

If a credit card user accidentally repays more than the actual bill amount on the credit card, don't worry. Overpayment on the credit card will not have any impact.

1. What should I do if I pay too much? Generally, overpayment on a credit card is called overpayment. Generally, overpayment occurs and can be solved through the following methods.

2. Credit card consumption: Generally, when using a credit card for consumption, if there is an overpayment in the credit card, the overpayment in the user's account will be deducted first, so that you can pay back the excess money normally. for use.

3. Cash withdrawal: The overpayment in the credit card can be withdrawn, but generally when withdrawing cash, some banks will charge users a cash withdrawal fee based on the credit card withdrawal fee.

Then it is time to choose the credit card repayment method. Generally, the credit card repayment methods include: mobile banking repayment, ATM repayment, Alipay, WeChat, Du Xiaoman Wallet and other third-party payment platform repayment, binding Set bank card for automatic repayment.

Announce the answer first and then explain. 1. You can pay more on your credit card. 2. Paying 1 yuan more will not be more serious than being overdue. 3. This is not true, it is fake.

In fact, many people have this experience. They forget that they have already paid off the bill on this billing day, and end up paying it off again (I paid it off once more in June because I didn’t understand the Hua Xia Bank credit card policy). I thought I hadn’t paid the electronic bill, but ended up paying a few hundred dollars more).

The money in your credit card at this time is called overpayment. Sometimes you accidentally pay more than I did; sometimes you pay a few dollars more on purpose. Don’t remember it wrong because of the change. , less than causing overdue payment; another possibility is that you want to buy something worth 6,000 yuan, but the card limit is only 5,000, so you might as well deposit 1,000, so that you can spend 6,000.

Overpayments on credit cards do not accrue interest, which is its biggest disadvantage. Therefore, overpayments do not have serious consequences such as overdue payments as you asked.

Nowadays, most banks do not charge fees for withdrawing overpayments from credit cards. This means that if you accidentally deposit too much money into your credit card, you can withdraw it from the bank for free.

Of course, there is a simpler method, which is to use your credit card to make purchases. At this time, your overpayment will be swiped first, and the credit limit can only be used after the overpayment has been swiped.

Then there is another question, how do I know if there is any overpayment in my credit card? It is actually very simple. Check the available limit on mobile banking. If it exceeds your credit limit, the excess amount is For overpayment, of course, you can also call customer service.

Another way is to use bank self-service equipment. It should be noted here that the self-service equipment queries the balance. If there is an overpayment, the balance will be displayed as a negative number, and the negative number is your overpayment.

Finally, please think about it. The bank is desperately trying to get your deposits. If your money is deposited in the bank, it will be too late for the bank to be happy. How can it not let you deposit more, let alone this? You don’t have to pay interest on the money, right?

I’m just asking for help, let me answer it.

What a nonsense, do you believe this nonsense? I don't know who would believe this. Or is the questioner just looking for fun?

The overpayment (money) refers to the extra portion that is paid off when repaying a credit card.

For example, your total credit card debt is 5,000, with a principal of 4,900 and an interest of 100. If you pay back 5,001 yuan, the bank will deduct all your interest and principal, and the remaining dollar is considered as overpayment, and this dollar is still your property. The bank cannot take your money without reason.

How can you spend the excess payment?

1. Spend by swiping your card. You can spend the extra money on your credit card by swiping your card.

2. Withdraw cash. This method is not recommended. The money is yours at any time, but in a credit card, unlike a debit card, cash withdrawals are charged according to the credit card's charging standards.

3. Apply to transfer to your savings card. For large overpayments, you can apply to customer service to transfer them to your savings card, but it will take time and will not be credited immediately as soon as you apply.

Overdue refers to failure to repay within the stipulated time, while overpayment refers to overpayment. What is recorded in the credit report is a truthful record of your breach of contract. If you repay more money, the credit report will also record it. ? Doesn't it make sense?

Overdue credit cards will face problems such as credit investigation, fines, and legal consequences.

Many people will pay back a dime or a dollar more when paying off their credit cards, especially overdue users. Interest continues to accrue after the due date. It is normal to have repayments based on bills at the beginning and unpaid debts of a few yuan or cents later. When this person dealt with overdue debts, he went to the counter and did not use his mobile phone.

The problem with counter processing is that there may be a few extra repayments, and the repayer will not care. Bank counter staff are not directly responsible for credit card processing, so it is impossible to be precise to a few points. . Therefore, overpayments exist for many people.

In short, what I want to point out is that - overpayments have nothing to do with credit records.

Credit cards are becoming more and more popular now. Many friends who are new to credit cards have encountered people who say that you cannot overpay on a credit card. Overpayment is more serious than overdue! No matter what you say, it is right or wrong. Today I will introduce to you that under normal use of a credit card, it will not have any impact if you pay a few yuan or hundreds or even thousands more on each bill, even if it is a transfer or payment. It is actually okay to transfer large amounts of cash to a credit card at the deposit bar. Each bank has the function of withdrawing overpayment, and the charging standards of each bank are different and basically the same (just call the bank customer service for details). If an overpayment of bad debt occurs, it will have a great impact on us, but it is also easy to deal with.

If a credit card is not used for a long time after overpayment, and the card issuer cannot contact the cardholder for a long time, an overpayment of bad debt may occur. Although it is an overpayment of bad debt, the credit report Only the word "bad debt" is reflected in the credit report. Once a bad debt is listed on the credit report, it is basically a black account. Applying for bank loans, credit cards, etc. will be greatly affected.

Although the bad debts shown on the credit report are very serious, the treatment is very simple. Go directly to the nearest bank branch, withdraw the excess money, and completely cancel the credit card (or reactivate it) ), requiring banks to update and report to the central bank's credit reporting center to update the overpayment bad debt records (credit reporting generally takes 15 working days to process).

This is not true.

When repaying a credit card, assuming you overpay, whether it is one yuan, one hundred yuan, or tens of thousands of yuan, in short, overpaying will have no impact on your credit report.

If you repay more money, the bank system will consider that the cardholder has already made a transaction but has not yet generated a bill. That is to say, the bank considers this to be repayment. So the arrears are automatically offset.

If there is any remainder after offsetting the arrears, it becomes an overpayment. That is, there is an excess balance on the credit card.

Many cardholders are confused when looking at their credit card balances, not knowing whether they owe the bank money or the bank owes them money.

Therefore, when many banks show the balance in the statement, they will indicate the plus or minus and add a bracket to indicate whether it is arrears or excess money.

Let’s see what to do with the extra money. If the overpayment is very small, just leave it there and use it next time. If the overpayment is large, you can call the bank customer service first to ask how to transfer it out and whether there are any fees. Customer service will choose a plan that is beneficial to the cardholder, just follow it.

Welcome to follow Bowen Micro Finance.

Don’t listen to lies.

What do you call a credit card with too much repayment? It's called "overpayment."

Usually we can deposit money into the bank card account if we have a bank card. This is what we all know. In fact, if we have a credit card, the same principle applies to depositing money into the credit card account. The money we deposit into a credit card account is called "overpayment."

However, the bank's credit card account is special. There is no interest on the "overpayment" in the credit card account. It's a bit like charging money to a merchant's stored value card.

If we spend money on credit, the first thing that will be deducted is the "overpayment". From another perspective, "overpayment" can help increase our consumption limit. An extra dollar saved is equivalent to an extra dollar of credit for the month. In fact, that dollar belongs to us, but we can still swipe it out of our credit card.

Another problem with "overpayment" is that if we do not want to spend but withdraw cash, the bank will charge us a handling fee in the same way as a credit card withdrawal. Because what is reflected in our credit card agreement is the charge for credit card cash withdrawals, whether it is an "overpayment" or not, the bank will naturally implement it if it is profitable.

On March 5, 2012, the Customer Service Committee of the China Association for Trade in Services released survey results. 96.47% of customers expressed their incomprehension about “repaying too much money to a credit card and charging a handling fee when withdrawing it.” Among them, 48.06 people were furious. Later, several banks indeed introduced new policies, clarifying that no handling fee would be charged for withdrawing "overpayment" within the bank or locally. If necessary, we can first look at how "overpayment" is stipulated in the terms when applying for a credit card?

The so-called "bad debts" refer to credit card payments that have been overdue for more than 180 days. If you owe money to the bank, not only will you be charged handling fees and overdue interest, but you will also face a record of dishonesty. It will be difficult to apply for credit cards and mortgage loans in the future. Moreover, the new credit record, credit card account repayment record will be kept for more than 5 years.

To sum up, overpayment will not cause "bad debt".

There is an essential difference between "overpayment" and "bad debt". If you pay off an extra dollar, you can use it by swiping your credit card again. It's very simple.

Paying off too much money on a credit card, if left unprocessed for a long time, will indeed have a negative impact on your credit score, but it is not as serious as imagined, and it is no more serious than paying off an overdue credit card. serious.

If you have too much money on your credit card, there will be an overpayment. If you have an overpayment, as long as you consume normally, you will spend the overpayment very quickly next time, and you will be able to spend the overpayment quickly. There will be no adverse effects. However, if you plan to no longer use your credit card, you need to be careful. If there is a long-term overpayment in the account and it is not processed until the credit card expires, the bank may record the extra money as bad debts, which is reflected in the tax collection period. In the letter report, if this situation occurs, it will be affected to a certain extent when buying a house and applying for a mortgage. But even so, don’t worry too much. Just contact the credit card issuing bank to handle it.

If a credit card is overdue, it will leave a stain on your personal credit record, which is much more serious than overpayment.