Customers can directly withdraw excess payment at local counters or ATM machines. However, in order to avoid unnecessary expenses, if there are special circumstances where it is necessary to withdraw the overpayment, do not do it yourself at the ATM machine. You can go to the counter and follow the "overpayment claim" procedure.

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China Construction Bank announced on its official website that starting from April 1, 2012, all credit cards of the bank will be overpaid locally at our bank outlets and self-service terminals. There is no handling fee for cash withdrawal transactions.

For a long time, the main function of credit cards has been overdraft consumption, but sometimes, for the sake of convenience, cardholders will deposit more money into the credit card when repaying, which results in overpayment. However, if customers want to withdraw excess money, they still need to pay a certain withdrawal fee, sometimes even as high as dozens of yuan. Many cardholders have always found it difficult to accept this charge. Why should they pay the fee when they clearly have extra money in their credit card?

For example: Previously, Xiao Zhang had his eye on a laptop worth 8,000 yuan and wanted to use his credit card to spend it, but his credit card limit was only 5,000 yuan, so he deposited 3,000 yuan into his credit card. However, the laptop was sold out in the mall and the computer was not purchased, so Xiao Zhang withdrew the extra 3,000 yuan deposited, but was charged a 15 yuan handling fee.

CCB announced that if customers make overpayment payments locally through counters and ATMs, they will not be charged corresponding fees in the future. However, most commercial banks still insist on charging this fee.

China Construction Bank-Credit Card Channel?