What to do if money is transferred to a credit card?

If money is transferred to a credit card by mistake, there are two options:

1. If you don’t take it out, just swipe the card next time Consumption;

2. Take out the money inside. If you choose the first option, it is very simple and requires no additional operations. If you choose the second option, the cardholder needs to do it himself. You can go to the bank counter and ask the staff to transfer the money in the card to a bank card in your name. Inside, or take it out from the cash machine.

To transfer the excess money from the credit card to your own bank card, a 1% (minimum 10 yuan) fee will be charged, and the maximum daily withdrawal limit is 2,000 yuan; if you transfer the excess money from the credit card For withdrawal, a 0.5% handling fee will be charged (minimum 5 yuan, maximum 500 yuan). For over-the-counter withdrawals, a handling fee of 1% will be charged, with a maximum cap of 50 yuan.

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1. Credit card, also called credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

2. Credit cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on Relevant Credit Card Provisions") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, An electronic payment card with full or partial functions such as transfer settlement, cash deposit and withdrawal, etc. On December 1, 2017, the "English Translation and Writing Standards in the Public Service Field" was officially implemented, stipulating that the standard English name of credit cards is CreditCard.

3. Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate). Credit cards are divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; a quasi-credit card refers to a credit card in which the cardholder can A quasi-credit card that deposits a certain amount of reserve fund and can be overdrafted within the specified credit limit when the reserve account balance is insufficient for payment.

4. The credit card generally refers to a credit card. Starting from January 1, 2021, credit card overdraft interest rates will be determined independently by card issuers and cardholders through independent negotiation, and the upper and lower limit management of credit card overdraft interest rates will be cancelled. 0.7 times). On May 25, 2021, the Supreme People's Court issued and implemented the "Regulations of the Supreme People's Court on Several Issues Concerning the Trial of Bank Card Civil Cases".

How to transfer money to a credit card?

When a user repays a credit card, if he repays more, the excess amount will become an overpayment. The user opens the mobile banking APP and finds the credit card cash transfer function. At this time, the user can follow the prompts to transfer the overpayment to the debit card. Or the user can directly withdraw cash from an offline ATM machine, and then deposit the money into the debit card after the withdrawal is successful. In addition, there is a handling fee for overpayment withdrawals. If there is an overpayment on the card, you can just spend it directly.

The CITIC Bank Debit Card WeChat deduction turned into a credit card payment

It may be because the debit card has no money. In the payment function of WeChat, you can pay by credit card. Choose whether to pay with a debit card or a credit card. When your debit card has no money, he will automatically choose to pay with a bank card. Just reset the payment order.

Enter WeChat Wallet, pay, and choose to set the default payment to debit card payment. At the same time, you must also select the bank card you need as the default bank card. Do not select the credit card. The next time you pay, it will be automatically deducted from the debit card. If there are insufficient funds in the debit card, it will be automatically deducted from the bound credit card.

Operating environment: Redmi k20MIUI11.0.4, WeChat APP version 8.10.15

1. The following reasons may cause credit card WeChat payment to fail: If the credit card bound to WeChat is not activated If the online payment function is used, there will be situations where payment cannot be made; when the credit card limit is insufficient, payment using a credit card through WeChat will fail; if the payment amount exceeds the payment limit of the credit card, payment will not be possible; credit card WeChat payment needs to be through If the mobile phone is not connected to the Internet when making the payment, the payment may also fail. The process of binding a credit card to WeChat: First, select a bank card in the WeChat wallet. Choose to add a bank card and follow the prompts to enter the mobile phone number reserved by the bank to activate quick payment. The credit card that is successfully bound will be displayed in the list. After using the credit card, you need to repay the payment in the next month. You can make the repayment after the bill comes out. You can choose WeChat repayment. It is recommended to repay before the repayment date to avoid forgetting and causing overdue payment.

2. The introduction to WeChat credit card consumption is as follows: I used WeChat to scan the merchant's QR code, but found that I could only pay with change or bank card, which was not supported by credit cards. This is because this type of merchant QR code is a static QR code and cannot support credit card payment. If you show the QR code to the merchant and let the merchant scan the code with a code scanner, you can pay with a credit card. Because this type of QR code is a dynamic payment code, it can support credit card payment. However, one thing to be reminded is

How to transfer money from a debit card to a credit card

If you transfer money from a China Merchants Bank savings card to a credit card, you can do it through online banking, mobile banking and CMB branches transfer.

If you transfer the money to another bank's credit card, the arrival time during the Spring Festival may be affected. It is recommended to contact the corresponding credit card customer service to verify whether there are other repayment methods.

How to transfer money to a credit card Bank of Communications

The method of transferring money to a credit card is:

This is very simple. One way is to use transportation The bank's mobile banking allows you to transfer money from your credit card to your debit card.

The second is to take your credit card to the teller machine, take out the money accidentally transferred to the credit card, and then deposit it into the corresponding bank card to solve the error and transfer the cash to the bank. The problem with the card.

Why is the money in the bank card automatically transferred to the credit card?

Have you previously bound an agreed repayment, or have your credit card been overdue for a long time and the bank has exercised its right of offset?

Credit card repayment agreement refers to a repayment method that binds a credit card to a savings card held by an individual, and automatically deducts payment from the savings card on the repayment date. Binding a savings card is Agreed repayment account. The agreed repayment methods include full repayment and repayment amount. The corresponding amount will be withheld from the agreed repayment account according to the selected repayment method before the repayment date expires. Credit card repayment agreements can effectively prevent cardholders from losing money due to forgetting to repay. However, the prerequisite for withholding is to ensure that the balance in the savings card is sufficient to avoid automatic repayment failure.

There is no provision for the offset system in my country's "General Principles of Civil Law". However, Article 33 of the "Enterprise Bankruptcy Law (Trial)" stipulates: "Creditors who have debts to bankrupt enterprises can offset them before bankruptcy liquidation." It can be seen that our country recognizes the right of offset for creditors of bankrupt enterprises.

If the bank exercises the right of offset, it can bring many benefits to it. For example, it can directly transfer funds from the enterprise's account, thus ensuring the repayment of the enterprise's loan. Therefore, banks are exercising their right of offset more and more frequently, and the bank's right of offset system has become an increasingly important part of the offset system. Some countries with civil law systems have formulated separate and complete regulations on bank set-off rights, so that many scholars believe that bank set-off rights are an independent type of set-off system. Countries with common law systems have long recognized the bank's right of set-off through the accumulation of jurisprudence.

However, our country has no legal provisions on banks’ right of offset. Even for the general offset stipulated in the “Enterprise Bankruptcy Law (Trial)”, some judicial interpretations also restrict the exercise of banks’ right of offset. restrictions. For example, Article 21 of the Supreme Court's "Opinions on the Implementation of Several Issues" stipulates: "After receiving the notice from the people, the debtor's bank must not deduct the debtor's deposits and remittances to repay the loan. The deduction is invalid. , the deducted money should be refunded.” Obviously, the Supreme Court specifically denied the bank’s right of set-off against bankrupt enterprises.

Does the bank have the right to set off against non-bankrupt enterprises? Judging from a series of judicial interpretations by the Supreme Court, it is allowed. Take the Supreme Court’s 1993 “Reply on the Issue of Whether Banks and Credit Unions Should Refund Deductions from Advance Payments and Loans” (Fa Fu [1994] No. 1) that we discussed in the previous lecture. It also stipulates later There are two situations in which the prepayer can directly request the bank, credit union or other financial institution to return the prepayment deducted by him or her. One is when the bank conspires with the borrower to defraud the prepayer, and the other is when the bank, credit union or other financial institution deducts the advance payment. Other financial institutions promise special funds to the advance payer. Can we understand that, except for these two situations, it is legal for banks to deduct funds from corporate accounts to repay loans without having to return them? In addition, the Supreme Court held in the 1990 "Reply on the Infringement of Bank Deductions" (Fa [Jing] Han [1990] No. 8) that: "A bank should not forcibly deduct the debtor's money in the bank to collect debts for a company. "Deposit", then, can we understand that the bank can debit the customer's account in order to collect its own loan? The Supreme Court did not have a clear answer to these questions. Precisely because my country’s regulations on banks’ rights of set-off are extremely confusing and imperfect, it is very difficult for us to sort out my country’s banks’ rights of set-off below.

This is the end of the introduction about turning money into a credit card and the money-to-credit card magic yif. I wonder if you found the information you need?