The credit card of Shanghai Pudong Development Bank takes my credit card and ID card to the counter of Shanghai Pudong Development Bank to retrieve the overpaid part, and the handling fee is free. However, handling this business at our ATM requires a handling fee of 0.5%, with a minimum 5 yuan for each transaction; At other banks' ATMs, the charging standard is 3%, and the lowest is 30 yuan. Bank customer service suggested that the overpayment can be deducted from the consumption because it is in the credit card. The overpaid part is best spent by credit card. If you really need to withdraw cash, it is also recommended to go to the counter.
Industrial Bank will also charge 0.5% handling fee for cash withdrawal of credit card overpayments, ranging from 5 yuan to 50 yuan. The daily limit of ATM withdrawal is 20,000 yuan.
In addition, Ping An, Postal Savings Bank, Agricultural Bank of China, CITIC and other banks will also charge a handling fee of 0.5% to 2% for the overpaid cash withdrawal.
Tips: If you overpay, you can transfer to a savings card first.
In fact, there is a shortcut to withdraw the extra money from the credit card. That is: transfer the money from the credit card to the savings card.
Credit card users of Shanghai Pudong Development Bank and Bank of Communications will transfer the overpayment in their credit cards to the debit cards of the bank in their own names through telephone banking customer service, and the account will be received in 1 day, and the handling fee is free. CITIC Bank [2.33% Capital Research Report] also stipulates that the excess funds will be transferred to the savings card in its own name through online banking, and the handling fee will be exempted.
However, some banks also charge fees for this curve to save the country. For example, for the credit card of China Merchants Bank, when the cardholder applies to transfer the overpayment to his savings card through telephone banking, he needs to pay a handling fee of 0.5%, which will be capped in 5 yuan and 50 yuan.