What should I do if my credit card payment accidentally increases? A credit card is called a credit card overflow, which refers to the money left on the balance account after the cardholder has repaid all debts in the current period. According to the credit card contracts of most banks, overpayment does not enjoy deposit interest if there is no deposit in the credit card, but You need to pay a certain handling fee when you withdraw it.

What if the credit card repayment increases?

1. Direct card consumption

If your credit card has overflow payment, the card consumption will deduct your overflow payment first. After the overflow payment is deducted, the consumption will generate the next bill.

For example, Mr. Zhang deposited 15,000 yuan into his credit card on the repayment date of November 20, but he only needed to repay 10,000 yuan, and the credit card had an overflow of 5,000 yuan. He spent 5,000 yuan on his credit card on November 21. , the overpayment of this 5,000 yuan will be deducted first, and there will be no invoice.

2. Withdraw the excess money

If you deposited a lot of money when repaying the credit card, you can withdraw it, but you must A corresponding handling fee is charged. Generally speaking, the charging standard is 0.5% of the cash amount, with a minimum of 5 yuan. The handling fee for overseas cash is high.

Currently, Bank of China, ICBC, China Construction Bank, Bank of Communications, Minsheng, and Huaxia When the overpayment of Shanghai Pudong Development Bank is withdrawn from the bank, no handling fee will be charged.

Related recommendations:

What will be the consequences of not repaying Ant Hua Ge?

How many days is the grace period for Bank of China credit card repayment