Hello, if you hold our credit card, if there is an overpayment in your credit card account (overpayment of funds or refund after offsetting consumption), you can apply to remit the overpayment to the designated bank account in your name (USD can only be recovered from our China Merchants Bank account). You need to pay a certain handling fee to get back the overpaid part (the business card can get back its own card for free). You may not get back the overpaid card money, and the card money will be used to deduct the amount of your card in the future. We won't pay deposit interest for the overpaid amount in your credit card account.

(You can consult the credit card service information of China Merchants Bank online through QQ or WeChat. Method 1: Search 4008205555 among QQ corporate friends, and add China Merchants Bank Credit Card Center as a friend; Method 2: Search for "cmb4008205555" on WeChat, and pay attention to China Merchants Bank Credit Card Center)

Extended data:

1. Credit card application conditions are as follows:

1. The main card applicant is over 18 years old and has full capacity for civil conduct;

2. The sub-card applicant 16 years old or above is the immediate family members of the main card holder, such as parents, wives and children;

3. Personal credit is good and there is no bad overdue record;

4. Have a stable job, and the salary income can pay off the arrears;

5. Meet other conditions stipulated by the bank.

6. Work certification documents. Some banks also need to provide proof of income and financial resources. Financial proof can include a copy of real estate license, a copy of motor vehicle driving license, passbook, etc. Anyway, it is easier for the economy to prove that it depends on the individual's repayment ability;

2. The steps to apply for a credit card are as follows:

1. Applicants submit application materials at outlets or fill in application information in official website, and then wait for bank review;

2. During the bank audit, the bank staff may call the applicant to verify the information. After telephone verification, the applicant can know the audit results;

3. After approval, the bank will make a card and mail it to the applicant after successful production;

4. After receiving the credit card, if the card is processed through the Internet, the cardholder needs to go to the bank for face-to-face signing and activation procedures. Other application methods can be activated directly.

The repayment method is as follows:

1, within the issuing bank

Repayment methods include: issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. The credit card limit will be restored immediately after repayment, and the money will generally be recorded after being processed by the system on the same day.

2. Micro-silver pos mobile phone

Weizhong Bank pos mobile phone is a personal payment terminal of mobile financial system, which can be used for direct repayment and transfer of credit cards. Arrive at the account immediately

3. Transfer/remittance repayment

Mainly divided into two ways: inter-bank in the same city and inter-bank in different places. No matter how to transfer and remit money, the remittance bank will charge a certain fee, and at the same time, the time of payment arrival and the convenience of repayment are not as good as those of peers, online repayment and convenience stores.

4. Online repayment

Common domestic network platforms are: UnionPay Online, Kuaiqian, Shengfutong, Alipay, Tenpay and so on. Choose different platforms and banks, and the charging standards and specific arrival time are different.