1. The excess money deposited in the credit card can be transferred out, but a handling fee will be charged. In fact, this amount can increase the available limit of your credit card and can also be used directly for consumption repayment.
2. The funds overpaid by credit card customers during repayment or funds deposited in the credit card account are called overpayments. A certain amount of fees will be charged for withdrawing excess payment. This amount can increase the available limit of your credit card or be used directly for consumption repayment. If there is an overpayment on the credit card, the overpayment will be deducted first and then the credit limit. If the overpayment is greater than the consumption amount, there will be no overdraft. No interest is accrued on overpayment.
3. In fact, banks do not encourage cardholders to recharge their credit cards because credit cards adopt a consumption-first-repayment model. Therefore, the bank stipulates that a certain handling fee will be charged for overpayment withdrawal. At the same time, the handling fees for cash withdrawals from credit card overpayments vary from bank to bank.
4. If a cardholder encounters an "overpayment" situation, it is best to consume the overpayment by swiping the card to avoid unnecessary expenses.
Extended information:
The handling fee standards of various banks for withdrawing overpayments
1. ICBC credit card, there is no need to pay for overpayments at the local bank fee. If the cardholder withdraws cash in another place or across banks, there will be different charging standards. ICBC credit card customers who withdraw cash in other places will be charged a handling fee of 1% of the cash withdrawal amount, with a minimum of 2 yuan/transaction and a maximum of 100 yuan/transaction. Other banks charge an additional 2 yuan or 4 yuan per transaction for cash withdrawals.
2. Bank of China credit cards and Great Wall series cards do not charge handling fees through the counters and ATMs of the bank where the card is issued. For local inter-bank transactions, the single transaction fee is 4 yuan, and the single transaction of the bank in another place is 10 yuan. A single transaction between different places is 12 yuan. For Bank of China series of cards, there is no charge for withdrawal of excess payment through any counter in the mainland.
3. The Agricultural Bank of China Credit Card, Wenzhou Merchant Card, College Student Card and other cards are free of charge for withdrawals and overpayments from our bank in the same city. For other card types, a handling fee of 1% of the cash withdrawal amount will be charged for withdrawals through the bank's channels, and an additional 2 yuan/transaction fee will be charged for inter-bank transactions.
4. The preferential period for Bank of Communications credit card and local bank to waive handling fees is from the beginning of 2014 to the end of 2016. For cash withdrawals at RMB counters or self-service equipment in other places, 0.5% of the transaction amount is charged, with a minimum of 10 yuan/transaction and a maximum of 500 yuan/transaction. By withdrawing cash over the counter at a Bank of Communications branch, you can receive all the excess deposits in the card, that is, withdraw an amount of 100,000 yuan and above. The handling fee is up to 500 yuan per transaction.
5. For China Merchants Bank credit card, the overpayment handling fee is 0.5% of the withdrawal amount, with a minimum of RMB 5 or US$1 and a maximum of RMB 50 or US$10. Through special cards such as black and white Young cards, Weibo cards, GQ cards, city cards and other cards, the first cash withdrawal is free of charge, with a limit of 10,000.
Baidu Encyclopedia-Overpayment