(China Merchants Bank) There is no interest on saving money by credit card. In case of overpayment for cash withdrawal, when the amount deposited in the credit card exceeds all the debts under the account, the extra money is called "overpayment", which will automatically deduct the subsequent credit card consumption.

the cardholder can also call the credit card service hotline of our bank and get back the overpayment by transferring money to the debit card in his name. The account name and ID number of the debit card used must be the same as that of the credit card, and the US dollar overpayment is only collected by China Merchants Bank Card.

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

handling fee for recovery of overpayment: .5% of the recovery amount, with a minimum of RMB or USD 1 in 5 yuan and a maximum of RMB or USD 1 in 5 yuan. Note: If the overpayment is withdrawn through the cash advance channel, the cash advance fee will be charged.