The overpayment redemption account must be consistent with your credit card account name, and a certain handling fee must be paid. The handling fee is 0.5 of the amount to be reclaimed. The minimum charge is ￥5 yuan or $1 USD. Currently, China Merchants Bank has launched Preferential policy, the maximum charge is ￥50 yuan or $10 USD. If there are any subsequent changes, please refer to the specific announcement. Handling cash withdrawals for overpayments on China Merchants Bank credit cards: Since the function of a credit card is mainly used for overdraft consumption, it does not have the transfer function of a debit card. Therefore, if you need to claim back the overpayment (i.e. the excess deposit amount), please call the customer service hotline, complete the identity verification in the voice call, and select "9" to transfer to the service specialist to apply.

Overpayment refers to the funds that credit card customers overpay when repaying or the funds stored in the credit card account. A certain amount of fees must be paid to withdraw the overpayment. 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. Methods to avoid overpayment: If a cardholder encounters an "overpayment" situation, it is best to consume the overpayment by swiping the card to avoid unnecessary expenses.

Credit cards have the basic financial functions of bank cards, and credit cards can also meet the needs of cardholders for early consumption. It should be noted that according to the regulations on the use of credit cards, cash withdrawal fees are basically charged for withdrawals from ATM machines. There are many ways to withdraw cash from credit card overflows. Cardholders can take their credit cards to the bank counter of the issuing bank to withdraw cash, or they can withdraw cash at an ATM machine. Withdraw cash. It should be noted that when withdrawing overflow funds, you must pay attention to the amount. Once the withdrawal amount exceeds the overflow amount, in addition to a handling fee, interest will be accrued at a daily interest rate of 0.5%. Under normal circumstances, it is better for cardholders to go to the counter for operation. Overflow funds can be transferred directly at the counter or self-service equipment without any handling fee. Generally speaking, if cardholders have excess funds, they can withdraw money from ATM machines. To put it simply, the extra money deposited by credit card can be withdrawn at the counter without paying any handling fees. However, in accordance with the principles of credit card accounting and risk management, you must generally bring your ID card to process the deposit the next day or later.