There are several ways to refund to a credit card

After the credit card is paid off, the refund will still go back to the original way, that is, refunded to the credit card. This situation is also called overflow. Payment means the excess deposit in the credit card. The cardholder can put the money in it and use it to offset it directly the next time he swipes the card. He can also go to an ATM to withdraw it, but a handling fee will be incurred.

Three ways to handle credit card overpayments

1. Consumption. If the amount is not large, you can wait until it is within the credit card limit and use it directly for consumption next time. The overpayment will be deducted first from your credit card.

2. Cash transfers and overpayments can be directly transferred to our bank's debit card at the counter or prescribed self-service equipment, and handling fees may be incurred.

3. Withdraw cash. Generally, cash withdrawals by credit card will incur handling fees and interest, except for overpayments. The excess money deposited by credit card can be withdrawn at the counter. Generally, it must be withdrawn the next day after depositing or by requesting in person. Bring your ID card to apply.

The above is an introduction to what to do when the credit card is paid off and the refund is received. I hope it can help you. After the credit limit in your credit card is paid off, if you apply for a refund but it has not arrived, you can contact the merchant to see if the refund can be refunded to the bank card in your name.

Overpayment is a Chinese vocabulary, the pinyin is yìjiǎokuǎn. Refers to the funds that credit card customers overpaid 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. No interest is accrued on overpayment.

In fact, banks do not encourage cardholders to charge money to 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.

As for the handling fees for "overpayment" of cash withdrawals by credit card holders, the charging bank stated that although the credit card holders withdraw their own money, it takes up the bank's relevant resources. Because unlike ordinary debit cards, credit cards are cumbersome in terms of deposit and withdrawal account processing, and credit cards are used to encourage customers to spend, not for cardholders to use them as savings accounts, so the charges are reasonable. Moreover, "overpayment" does not bear interest. In other words, there is no benefit to "recharging" your credit card in advance and then spending it. If the cardholder wants to increase a certain credit limit, he or she can apply for a temporary limit from the bank's customer service center. There is no need to rely on "overpayment" to increase spending power.

The bank will not calculate interest on overpayment, which is a credit card deposit, which is completely different from that of a debit card.

Credit card withdrawals are subject to fees as per regulations. The charging issue should be looked at from two aspects:

1) According to the regulations on the use of credit cards, ATM machine withdrawals basically charge a cash withdrawal fee. The usual standard is 0.5% of the cash withdrawal amount, with a minimum of 5 yuan; The handling fees for overseas cash withdrawals are higher.

2) If you withdraw money from an ATM machine with "overpayment", you will still be charged a cash withdrawal fee according to the credit card cash withdrawal standards. In this case, it is recommended that the cardholder transfer the overpayment on the credit card to a debit card of the same name in any bank, and then withdraw cash from the debit card. This reduces handling fees.

How many days does it take for Taobao refund money to be refunded to the credit card?

If you pay with a bank card, the money will be refunded to the bank card account within a week after the refund is successful.

For Bank of China credit cards, it will arrive within six working days. For other bank credit cards, it only takes one working day if it is fast, and five working days if it is slow. If it is just a bank card payment, the refund will arrive in your account within three working days after a successful refund.

At the same time, the status of the order will also affect the refund progress. If your order payment has not been shipped, the refund application will be returned within 48 hours. If it has been shipped, you need to wait for the seller's response to apply for a refund. After the application is successful, a refund will be made within 48 hours. In addition, refunds to Alipay account balances, red envelopes, Jifenbao, etc. are all received in real time.

Extended information:

Buyers can apply for a refund from the time of payment.

If the seller still does not click to ship within two days from the time the buyer applies for a refund, Taobao will notify Alipay to refund the buyer.

If the buyer clicks to return the goods within seven days, if the goods are returned by express delivery within ten days, or if the goods are returned by surface mail within thirty days, if the seller does not confirm receipt, Taobao will notify Alipay to refund the buyer after the timeout.

For the amount of money returned to the bank card, please pay attention to the card return time displayed on the page. After it shows that the card refund is successful, contact the bank customer service to confirm the payment status. If it is refunded to the credit card, the limit will be restored directly. You can contact the credit card customer service for confirmation. If you need to check the credit card statement, please wait 1 to 2 days before doing so.

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The money refunded to the credit card is Which

The money after the credit card refund will be deposited into the card. The amount after the refund is not actually credited into the credit card, but is used as an overpayment on the credit card. However, if the money is refunded after the billing date, it will not be counted as current repayment. Only the user's own cash deposit will be considered as repayment.

Under normal circumstances, after a user makes a purchase using a credit card, the refund generated before the credit card bill is issued and the payment is made will be directly refunded to the user's credit card account, which will offset the credit card limit of the previous consumption. As the refund funds arrive, the credit limit of the credit card will also be restored. If the credit card has been repaid, the refund will still be returned to the user's credit card account. If there is no outstanding balance on the card, the refund will exist as an overpayment on the credit card and will be used first when making purchases with the card later. Overpayment or repayment can be made directly using the overpayment.

Nowadays, many people almost choose to apply for a credit card. After applying for a credit card, they can make advanced purchases within the credit limit. As long as they can complete the repayment of the credit card within the specified time, they can also enjoy Certain interest-free period.

In short, as long as a refund occurs on a credit card, no matter what the situation is, the refund funds will directly enter the credit card account, but the form of existence is different.

In our daily lives, credit cards are the shopping cards favored by many people. Many people find it particularly convenient to use credit cards for consumption. They do not need to use cash, and they can also improve their credit and only need to pay part of the payment. interest, so more and more people are paying with credit cards. Although many people use credit cards, there are many rules for using credit cards. There are still many people who are not so familiar with the rules for using credit cards. For example, in How are the refunded funds handled when a refund occurs after a credit card purchase?

Generally, if a refund occurs on a credit card, the money will not be returned directly to the credit card. This amount is called an overpayment. Because this amount is not paid back in cash, it does not count as the current repayment. If you repay, you must pay back cash, and it depends on the time it takes for the refund to arrive. Generally, it takes a long time for credit card refunds to arrive. , different banks have different regulations, usually around 3-7 days. If the arrival date is before the bill date of each month, then it can be deducted in that month. If the arrival time is after the bill date, it will be calculated. Entered next month's statement. So what we need to pay attention to is that if you want to get a refund when shopping, you still have to do it as soon as possible, because the refund takes a long time to arrive. If you want to offset it in the current month, the refund must be successfully received before the bill date. If it is calculated In the next month, not only will the accounts be troublesome, but a certain amount of interest will accrue. When using credit cards, we should use credit cards correctly and reasonably.

What to do with the money refunded to the credit card?

The money refunded to the credit card will be used as an overpayment on the credit card. At this time, you need to pay attention to the consumption of the refund. Before or after the billing date.

For purchases made before the bill date, the refund will be offset against part of the repayment on the repayment date of the month; for purchases after the bill date, the refund will be offset against the bill generated on the bill date, and this consumption needs to be returned after the next bill date.

When the refund is refunded to your credit card, just pay attention to the payment time. Different banks have different regulations. It usually takes 3 to 15 working days to arrive. If the refund does not arrive for a long time, then You can call the bank's credit card customer service number for consultation, or contact the merchant who refunded the money.

The correct way to use credit cards

1. Repay on time. Credit cards are overdraft tools provided by banks to cardholders. Using credit cards for consumption can relieve consumers' financial pressure to a certain extent. However, it should be noted that credit cards are bank credit products and need to be repaid after consumption using credit cards. Cardholders It is necessary to keep in mind the repayment date of the credit card. If the user fails to repay the debt within the specified period, the card holder may be overdue. The credit card holder will face bank collection and penalty interest, and personal credit will also be affected. , so everyone should pay attention to repaying the loan on time.

2. Use credit card installments and minimum repayments rationally. When credit card users cannot pay off the balance in full within the specified period, in order to avoid overdue behavior, the cardholder can choose to apply Credit card installments or repaying the minimum credit card repayment amount will incur certain fees, so you must not abuse credit card installments or minimum repayment amounts.

3. It is best not to use credit cards to withdraw cash. Credit cards are mainly used for overdraft consumption. Banks encourage everyone to use credit cards to spend more, but they do not recommend that you withdraw cash. In order to prevent cash out, there is a certain cost for cash withdrawals by credit card. The bank will charge cash withdrawal interest at a daily interest rate of 0.05% from the day of withdrawal. And a certain handling fee will be charged based on the cash withdrawal amount. 4. Use the card after the bill is swiped to enjoy the longest interest-free period. Many people use credit cards not because they are short of money, but because they want to enjoy the credit card's interest-free period, points and other benefits. If you want to enjoy a longer interest-free period, you can enjoy the longest interest-free period by swiping the card one day after the account date.

That’s it for the introduction of refund to credit card.