What is the handling fee for overpayment withdrawal? Is there a handling fee for cash withdrawal fro

Different banks have different regulations, please consult the handling bank for details. Ping An Bank credit card.

Refer to the handling fee for overpayment:

1. RMB: 5/1000 of the amount withdrawn, with a minimum of 5 yuan and a maximum of 50 yuan for each transaction;

2. USD: 5/1000 of the amount withdrawn, with a minimum of $1 and a maximum of $7 per transaction;

3. Direct cash withdrawal: Only cash handling fee will be charged according to the credit card cash withdrawal fee standard.

If you need to consult Ping An Bank's credit card business, you can click the link below and select "My" in the lower right corner - exclusive customer service or follow Ping An Credit Card.

Credit card overpayment requires a withdrawal fee, but according to the different types and levels of credit card preferential policies launched by different banks, the amount of overpayment and the proportion charged are also different. According to the regulations of the People's Bank of China, the handling fee for cash withdrawal of overpayment is generally the amount withdrawn, with a minimum handling fee of RMB 5 or USD 1 per transaction. Of course, there are also some banks that have a policy of waiving fees for cash withdrawals, such as Postal Savings Bank, Minsheng Bank, Everbright Bank, Bank of Communications and other banks.

Extended information: 1. The overpayment must be consistent with your credit card account name, and a certain handling fee is required, and the handling fee is the amount withdrawn, the minimum charge is 5 yuan or 1 US dollar, and the current preferential policy of China Merchants Bank is 50 yuan or 10 US dollars. If there are any subsequent changes, please refer to the specific announcement.

China Merchants Bank Credit Card Overpayment Cash Withdrawal: Since the function of the credit card is mainly used for overdraft consumption, it does not have the transfer function of a savings card. Therefore, if you need to get back the overpayment (i.e. the over-deposited amount), please call customer service**, complete the identity verification in the voice and select "9" to transfer the service specialist to apply.

2. The extra money in the credit card is called overpayment, and you can take out the overpayment or leave it in the credit card to pay the next credit card bill. However, it should be noted that some banks require a handling fee for withdrawing overpayments, and the regulations vary from bank to bank. Overpayment refers to the overpayment of funds or funds deposited in the credit card account when the credit card customer repays, and a certain amount of fees are required to withdraw the overpayment.

This can be used to increase the available credit card limit or be used directly to make purchases. If there is an overpayment in the credit card, the overpayment will be deducted first, and then the credit limit will be deducted, and if the overpayment is greater than the purchase amount, the overdraft will not be formed.

3. If there are other unbilled purchases in the credit card, the repayment will automatically offset the unbilled bills, and the cardholder shall confirm whether there is any overpayment in the card. Overpayments can be kept on your credit card and your savings will be prioritized for your next purchase. If the cardholder decides to withdraw the card, he must first determine the amount of the overpayment, and secondly, pay attention to the handling fee stipulated by the card issuer.

In other cases, a fee will be charged.

Need. 1.Credit card overpayments.

There is a withdrawal fee, but according to the different types and different levels of credit card preferential policies launched by different banks, the amount of overpayment and the proportion charged are also different. According to the Central Bank.

The handling fee for cash withdrawal of overpayment is generally the amount withdrawn, with a minimum charge of RMB 5 per transaction.

Or a $1 processing fee.

2.Of course, there are also some banks that have a fee-free policy for cash withdrawals for overpayments, such as the Postal Savings Bank.

Minsheng Bank, China Everbright Bank.

Bank of Communications and other banks stipulate that the overpayment of the Bank in the same city is exempt from handling fees. Most banks charge varying fees for cash withdrawals from credit card overpayments. If you don't want to pay this handling fee, then you can only use your credit card to spend the extra money, which has caused trouble for many cardholders.

Moreover, if this money is neither consumed nor withdrawn, then it will become a "bad debt" in the credit card, which will directly affect the credit record as well as the overdue record, and the consequences will be more serious.

3.At present, the bank's credit card overpayment regulation is controversial, but after all, for banks, credit cards are used for consumption, and there is no debit card.

So I hope that cardholders will spend as much as possible and do not store funds in the credit card. However, recently, a cardholder in Yangzhou repaid his credit card.

, accidentally returned another credit card with no arrears, but when withdrawing cash, I accidentally found that there was no overpayment fee.

Extended Information:1If you have the relevant needs to withdraw cash from overpayment, you can call the bank's customer service ** to consult to see if the local bank also has this provision, if so, you can withdraw cash directly, and you don't have to be forced to spend it by card.

In addition, it can also save a WeChat and Alipay withdrawal fee, you can first transfer the money in WeChat and Alipay to the credit card through "credit card repayment", and the overpayment beyond the repayment part can be taken out for free, which is equivalent to WeChat or Alipay "0 handling fee" withdrawal.

2.It is necessary to pay attention to the handling fee of WeChat or Alipay credit card repayment, and calculate it clearly before the operation. Although only some regions have implemented the local Bank fee waiver for cash withdrawals from overpayment, this also means that the abolition of this fee will be the general trend in the future.

Many cardholders often deposit money into credit cards, but they don't know that credit cards are not credit cards after all, although they can save money, but it is more troublesome to take out the money deposited. Therefore, it is very necessary to have a credit card that can be used to withdraw overpayment for free. So, which banks are free to withdraw cash on credit card overpayments?

Bank credit card overpayment cash withdrawal free of charge

1. Cash withdrawal in the same city of the Bank.

As far as is known, China Guangfa Bank, China Construction Bank, Industrial and Commercial Bank of China, Minsheng Bank, Shanghai Pudong Development Bank, Bank of Communications, Everbright Bank and other banks are free of charge for cash withdrawals in the same city, but although some banks have realized free cash withdrawals for credit card overpayments, there are restrictions on the amount or number of times.

2. Inter-bank and non-local cash withdrawal.

Shanghai Pudong Development Bank is exempt from handling fees for cash withdrawals from ATM net overpayment; As long as the credit card overpayment of CEB is withdrawn through the same channel, no handling fee is waived regardless of whether it is in a different place or locality; China Guangfa Bank is the most generous, and credit card overpayment is free at any bank ATM, whether it is inter-bank or non-local.

Introduction to credit cards with no handling fee for overpayment and cash withdrawal:

1. Minsheng IN card.

The IN card is very good, the card face is beautiful, the bank is free of handling fees for cash withdrawals, and the annual fee is waived for 5 years. The card is exclusive to 1 point to redeem Starbucks, and you can use 1 point to redeem a Starbucks coffee e-coupon within 7 days when you can spend 399 yuan or more in points per natural week.

In addition, the overpayment cash withdrawal of the card is also free of charge, but it is conditional, and cardholders can only enjoy free treatment by withdrawing the overpayment of the credit card through the channel of Minsheng Bank.

2. China Merchants Bank Young Card.

China Merchants Bank Young Card is a RMB credit card that can only be applied for by non-student customers under the age of 30 of China Merchants Bank. The main feature is that the cash advance limit is 100% of the credit card limit; Points are doubled for the month of your birthday.

The first cash withdrawal with the card every month is free of charge, and in addition, the overpayment is withdrawn through the palm of your hand, but the handling fee is free.

3. GF** credit card.

This credit card can be applied online, and it can also enjoy a no-annual fee policy, whether it is a purchase or cash withdrawal, you can accumulate points. Of course, its biggest feature is that online consumption can be credited, using the card to shop on the ** network, Alipay, and using quick payment to pay for online shopping points.

In terms of cash withdrawal of overpayment, the use of GF** credit card at any bank ATM, whether it is inter-bank or non-local withdrawal of excess payment is free, but it should be noted that the card can be withdrawn up to 15 times a day at the ATM, and the cumulative amount of withdrawal per day is 20,000 yuan.

Summary: If you want to get the overpayment of your credit card, if you don't know whether to charge or not, it's best to call customer service ** to confirm first. In addition, if you have any extra savings on your credit card, it is recommended that you spend it by swiping your card or directly deducting it for the next repayment, which is also the best way to avoid charging various fees.

Overpayment usually refers to the deposit of money into a credit card, and the part of the amount that exceeds the credit limit is generally caused by overpaying the credit card, or using the credit card as a savings card to deposit money in it. What I want to say here is that although the cash withdrawal of credit card overpayment is simple, it will also involve cash withdrawal fees, so let's take a look at it together.

How do I withdraw cash from a credit card overpayment?

There are many ways to withdraw credit card overpayment, you can take your credit card to the bank counter of the card issuer to withdraw cash, or you can withdraw cash at an ATM.

However, relatively speaking, it is more advisable to withdraw cash from ATMs, so that there is no need to queue up, and there is no limit to the bank, and it can generally be operated on ATMs with the UnionPay logo.

It should be noted that the amount of overpayment must be paid attention to, once the amount of cash withdrawal exceeds the amount of overpayment, in addition to the handling fee, interest will be calculated at a daily interest rate of 5/10,000.

What is the credit card overpayment fee?

The overpayment fee varies from bank to bank, but some banks can conditionally waive the overpayment withdrawal fee, here are a few of the most common banks, as follows:

1. ICBC and CCB: Cash withdrawal at counters or ATMs in the same city is free of handling fees.

2. Agricultural Bank of China: Handling fee is waived for overpayment at ATMs in China;

3. Everbright Bank: Cash withdrawal of RMB overpayment at counters and ATMs is free of charge;

4. Shanghai Pudong Development Bank: Cash withdrawal over the counter counter in the same city is free of charge, but cash withdrawal through ATM still needs to pay a handling fee;

5. Minsheng Bank: As long as you withdraw cash in the UnionPay system, whether it is a counter or an ATM, regardless of local or non-local, you will be exempted from the overpayment fee;

6. China Guangfa Bank: Any domestic UnionPay ATM overpayment cash withdrawal, regardless of peers or inter-bank, is free of charge.

A credit card is not a debit card, so don't deposit cash into your credit card account if you don't owe any money on your credit card, otherwise you will be charged a fee when you withdraw your deposit. However, if you don't take it out, you can also use it for future purchases. When the amount deposited into the credit card exceeds all the outstanding amounts under the account, the excess amount is called "overpayment". , which can be used to deduct future credit card purchases. Then ABC credit cards.

How do I withdraw my overpayment?

How to withdraw cash from ABC credit card overpayment? 1. Pick it up through ATM and other self-service devices.

2. Pick it up at the counter of the Agricultural Bank of China.

How to calculate the handling fee for credit card overpayment of ABC? 1. Handling fee of the Bank in China:

A handling fee of 1% of the transaction amount will be charged for each transaction, with a minimum of 1 yuan per transaction.

2. Handling fee of other banks in China:

A handling fee of 1% + 2 yuan will be charged for each transaction, with a minimum of 3 yuan per transaction.

3. Withdrawal or transfer of overpayment from foreign currency account in China

A handling fee of 1% of the transaction amount will be charged for each transaction, with a minimum of 1 USD or its equivalent in other foreign currencies per transaction.

4. Withdrawal or transfer of overpayment from foreign currency accounts abroad

Use UnionPay. For the line, a handling fee of 1% + 12 yuan of the transaction amount will be charged for each transaction; If you use non-UnionPay routes, a handling fee of 3% of the transaction amount will be charged for each transaction, with a minimum of 3 USD or equivalent in other foreign currencies per transaction.

The above is the "How to withdraw cash from the overpayment of ABC credit card?" How is the handling fee calculated? The relevant content is introduced, the way to withdraw cash is basically the same as the cash withdrawal of the savings card, it is still very simple, or pay more attention to the generation of handling fees, and the amount of overpayment is too large to withdraw cash, the less cost-effective the handling fee is.

1. Is there a handling fee for cash withdrawal of credit card overpayment?

2. When the amount deposited into the credit card exceeds all the outstanding amount under the account, the excess amount is called "overpayment", which will be automatically deducted from the subsequent credit card consumption.

3. Most domestic banks charge handling fees for cash withdrawal of credit card overpayment, for example, the handling fee for the recovery of local counterparts of Bank of China is 1% of the transaction amount, with a minimum of 8 yuan; The handling fee for the recovery of the overpayment of the local credit card of the Agricultural Bank of China is 1% of the transaction amount, with a minimum of 1 yuan; Ping An Bank's local peer credit card overpayment refund fee is the transaction amount, with a minimum of RMB 5; The handling fee for recovering the overpayment of credit card overpayment of local peers of China Merchants Bank is the transaction amount, with a minimum of 5 yuan; The handling fee for the recovery of credit card overpayment of China CITIC Bank is 3% of the transaction amount, with a minimum of 30 yuan.

4. The daily interest of credit card overdraft and cash withdrawal is different from that of credit card overdraft and cash withdrawal, and credit card overpayment belongs to the cardholder's money that he has deposited in the credit card, so there is no interest on the overpayment and cash withdrawal.