Why can't I withdraw my credit card?

Many times, my mobile phone is like this. It should be a bug in the app, and the next version may not exist.

I believe that many credit card holders will mistakenly deposit cash into credit cards without arrears. Although credit cards can also be withdrawn like savings cards, it is a headache that credit card withdrawal is not that simple. As the saying goes, it is easier to deposit money in a credit card than to take it out! What should I do if I accidentally deposit a large amount of cash in my credit card?

It takes a certain handling fee to withdraw the money stored in the credit card. Many people will choose the next consumption to use up the amount in their credit cards. In fact, some banks' credit cards have relaxed the cash withdrawal system of overpayment, some banks have completed free cash withdrawal, and some banks have made preferential measures for cash withdrawal. such as

At present, Huaxia Bank, China Bank, Shanghai Pudong Development Bank, Minsheng Bank, Industrial and Commercial Bank of China and China Construction Bank are exempt from handling fees for the withdrawal of credit card overpayments, of which Huaxia Bank's daily withdrawal of credit card overpayments does not exceed 20,000 yuan, and Minsheng Bank's credit card overpayments exceed 50,000 yuan, which requires an appointment in advance.

At the same time, there is no handling fee for transferring credit card overpayments from Bank of Communications, China CITIC Bank and Citibank to our account, but there is still a handling fee for direct cash withdrawal. China Merchants Bank, China CITIC Bank and Shenzhen Development Bank will charge a handling fee of 0.5% of the transferred amount if the overpayment is transferred to a savings card for cash withdrawal. China Everbright Bank and Agricultural Bank charge a handling fee of 1% for the overpayment.

Overpayment of off-site cash withdrawal discount

Generally, debit cards need to be charged for cross-bank cash withdrawal, so can credit card overpayment be cross-bank cash withdrawal?

Huaxia Bank and Shanghai Pudong Development Bank implement inter-bank cash withdrawal free of charge, while Guangfa Bank's credit card overpayment is free of charge at all bank ATMs. However, the preferential period ends at the end of 65438+February, and the handling fee of 1% will be charged only when the credit card overpayment of Minsheng Bank is more than 50,000 yuan.

Finally, remind all card friends that if you want to use credit card overpayment to withdraw cash from different banks, you must determine the amount of "overpayment" in your card. If it is "overdraft cash withdrawal", it will not only pay the handling fee, but also generate interest every day. If the amount overpaid in the credit card is relatively small, I suggest you use it as much as possible!