How to check the overpaid credit card? This method is the most convenient

Many cardholders have paid more money when they return their credit cards, but they don't know the exact amount, so they want to know how to check this extra money. In fact, this is very simple, and the method of checking credit card limit is the same, and there are many inquiry channels. Let's introduce it below.

as we all know, the overpayment of credit card is called overpayment, which generally refers to the extra money in the account after paying off all the bills owed in the credit card and all the bills not paid. If there is overpayment in your account, the status of "current arrears" in your credit card account will show "negative sign" or "CR".

If you want to know how much money the credit card overpays, you can log in to the credit card official website, mobile banking or online banking, or you can call the customer service hotline of the issuing bank, which is more convenient and quick. You can intuitively understand the specific money through voice conversation with the customer service, and you can also ask the customer service how to withdraw the money.

It should be noted that no matter how long the repayment interval is, the extra money paid by a credit card will not generate interest, which is the most obvious difference between a credit card and a savings card, so you'd better not hold the idea that you can charge interest by depositing money in a credit card. What I want to tell you is that not only will there be no interest on paying back more money by credit card, but you will also have to pay for taking out your own money.

For this reason, I suggest that you pay back your credit card to the nearest dime. You have to pay back as much as you have on the bill, but don't pay back too much. If you pay back too much money and don't take it out or spend it, plus you don't use your card for a long time, there will be hidden dangers. Once bad debts are formed, your credit will be affected.

How to check the repayment records of credit cards

You can check the repayment records of credit cards in the following ways:

1. Telephone banking inquiry: You can call the credit card customer service hotline of the issuing bank, and then follow the voice prompts to check the repayment records or switch to manual inquiry;

2. Inquire at the issuing bank outlets: go directly to the nearby issuing bank outlets, then queue up with the number and explain the purpose to the staff;

3. online banking/mobile banking inquiry: because the mobile banking/online banking pages of various banks are inconsistent, the inquiry methods are also inconsistent, so it is necessary to find the relevant options for credit card inquiry.

The common credit card repayment methods in China mainly include the following categories (according to the cost level):

Intra-bank repayment

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

mobile phone repayment

the mobile phone is a personal payment terminal in the mobile financial system, which can be used for direct credit card repayment and transfer. Immediate arrival!

convenience store repayment

convenience store repayment is mainly completed through the "Lacarra" smart payment terminal installed in the convenience store. Generally, it takes 2~3 working days to arrive at the account, and no handling fee is charged for repayment in this way.

Online repayment

The common online repayment methods in China are Baidu Wallet, UnionPay Online, Kuaiqian, Shengfutong, Alipay and Yifubao. Different platforms and banks are selected, and the charging standards and the specific payment arrival time are different.

Inter-bank transfer

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

Counter link

Counter link refers to the bank card issued by various networked financial institutions, which conducts RMB current deposit and withdrawal transactions through the counters of other bank outlets registered in the host system of UnionPay Exchange Center.

Lacarra

Cardholders can complete credit card repayment, mobile phone recharge, online bill payment and other services through convenience stores, bank outlets or purchasing "Lacarra" equipment terminals.

xinfutong

"xinfutong" smart credit card phone is an innovative electronic product independently developed by China unionpay, certified by the bank card testing center and supported by financial services provided by the inter-bank information exchange network of China unionpay.

Repayment Pass

Repayment is made by using the Repayment Pass, and the fees are generally charged according to the charging standards for inter-bank transfer in the same city and inter-bank transfer in different places stipulated by the local people's bank.

Intelligent Repayment

A new industry, its main function is to make a good consumption and repayment plan by using the balance of about 5%-1% in the card, and then carry out automatic recycling consumption repayment through a licensed payment company to achieve the purpose of full repayment, and charge a certain handling fee. Its basic functions include bill management, local payment and free card application.

what should I do if I pay my credit card more than once? Two solutions

Many card friends pay off their debts after their credit card bills come out, but they forget to pay back the money again, which is equivalent to paying back the money twice. Paying more money is equivalent to saving money in a credit card, which can be solved in two ways. Let's briefly introduce it today.

what should I do if I pay my credit card more than once?

after credit card repayment, you can check the repayment status in mobile banking. If you repay the money once more, it will show that the two repayments have been recorded, because the money paid for the first time has deducted the current arrears, and if there is no other arrears on the credit card, the money for the second time will exist in the form of overpayment.

If there is still consumption after credit card repayment, the excess money will be deducted from the next bill, and the remaining money will still become an overpayment. Considering that the credit card has not produced any transaction for more than 18 days, the overpayment will risk the formation of bad debts. It is better to solve this money. There are two ways to try:

1. Credit card consumption

First, you must know how much overpayment there is, and then choose one online. For example, the credit card limit is 5, yuan, including 2 yuan's overpayment. If you buy goods from 2 yuan, the overpayment limit will become .

2. Cash withdrawal by credit card

It is also possible to take out the overpayment that exceeds the credit card limit and turn it into cash through the ATM at the issuing bank outlet or at the counter, but the key point is that although there is no interest charge for cash withdrawal by credit card overpayment, it is likely to charge a cash handling fee, so it is not cost-effective to swipe the card.

The above is the related introduction of "What should I do if I pay my credit card more than once?" I hope it will help you. In short, the credit card will still be in the credit card if it is repaid more than once, which can be solved by the two methods mentioned above. As for which one to choose, it depends on everyone's needs.

Let's stop here for the introduction of how to check if the credit card is overpaid.