1. Take a credit card to the ATM to withdraw money, but the money deposited in the credit card account is called overpayment, and you need to pay a certain fee to take out the overpayment. At the same time, the handling fees for credit cards to withdraw overpayments in different banks are also different.

2. Transfer the overpayment on the credit card to the debit card of the same name of any bank, and then withdraw cash from the debit card, thus reducing the handling fee.

3. Recommendation: You can use your credit card directly. If the credit card has overpayment, the overpayment will be deducted first, and then the credit limit will be deducted. If the overpayment is greater than the consumption amount, there will be no overdraft and unnecessary expenses can be avoided.

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Interest refers to the reward that the currency holder (creditor) gets from the borrower (debtor) for lending money or monetary capital. Including deposit interest, loan interest and interest generated by various bonds. Under the capitalist system, the source of interest is the surplus value created by hired workers. The essence of interest is a special transformation form of surplus value and a part of profit.

Definition:

1. Money other than the principal of deposits and loans (different from "principal").

2. The abstract interest point refers to the value added when monetary funds are injected into the real economy and returned. Generally speaking, interest refers to the remuneration paid by the borrower (debtor) to the lender (creditor) for using the borrowed currency or capital. Also known as the symmetry of sub-fund and parent fund (principal). The calculation formula of interest is: interest = principal × interest rate × deposit period (i.e. time).

Interest is the reward that the fund owner gets for lending the fund, which comes from a part of the profits that the producer makes by using the fund to play its operational functions. Refers to the value-added amount brought by monetary funds injected into the real economy and returned. The calculation formula is: interest = principal × interest rate × deposit period × 100%.

3. Classification of bank interest

According to the different nature of banking business, it can be divided into bank interest receivable and bank interest payable. Some lenders are vague about interest rates, such as 7%. You don't know whether it means annual interest rate, monthly interest rate or interest rate. If it is the annual interest rate, then the annual interest rate of 7% is still acceptable; But if it refers to the daily interest rate, then the converted annual interest rate is 25.55%, which has exceeded the highest interest rate supported by national laws.