近日，一起涉嫌恶意透支信用卡的刑事案件在坊间闹得沸沸扬扬，同时也将信用卡的各种“天价罚息”、“惯例收费”的霸王条款推上了风口浪尖。取“溢缴款”收手续费便是信用卡的“惯例收费”之一。

recently,With suspected malicious overdraft credit card criminal cases in urban make an uproar,At the same time will also all kinds of credit card"Penalty purchased"/"Practice charge"The overlord clause bolted the in the teeth of the storm.take"Overflow payment"Receive poundage is the credit card"Practice charge"of.

　　所谓“溢缴款”是指信用卡客户还款时多缴的资金或存放在信用卡账户内的资金。

The so-called"Overflow payment"Refers to the customer credit card payments to pay more money or stored in the capital in credit card account.

　　许多人可能没意识到往信用卡里存钱或多还钱，在需要取钱时会吃亏。对此，一位不愿透露供职单位的理财师昨日在接受深圳商报记者采访时表示，尽可能避免往信用卡里存钱，而对于已产生的“溢缴款”，小额的尽量用刷卡消费来“赎回”，大额的也勿在ATM上取现。此外，若巧用“溢缴款”，还可让信用卡成为“运钞工具”，省下异地取款钱。

Many people may not realize credit card to save money or more also money,In the need to take money will suffer.this,One does not wish to disclose the unit for the financial management division in shenzhen commercial daily newspaper yesterday accepted reporter to interview said,As far as possible to avoid the credit card to save money,And to have been"Overflow payment",Small as far as possible to use brush calorie of consumption"redemption",Big also don't take on ATM all right now.In addition,If use opportunely"Overflow payment",Still can make credit card become"Cash-transport tool",Save different to withdraw money.

　钱存信用卡两头都吃亏 Money is a credit card two head

　　近日，一名市民李小姐向记者诉苦，最近，她的父亲误将信用卡当银行卡，把2万元现金存进了信用卡账户。当李小姐要帮父亲取回钱时，却被银行告知：需要按照1%的利息和缴纳200元的手续费。而且，因受该行信用卡每日取现2000元的上限，还需分10天，共10次才能取出这笔钱。李小姐不死心，她问银行：“我能在你们行办一张借记卡，把这笔款转过去吗？”但银行工作人员表示，该行并没开通这项功能。这让李小姐大为郁闷。

recently,A citizen miss li told reporters complaint,recently,Her father took credit card when bank card,The $20000 cash deposit into the credit card account.When miss li to help his father when money back,But bank told:Need according to 1% interest and pay 200 yuan fee.and,Due to the bank credit card limit daily withdraw cash 2000 yuan,Still need points, 10 days,A total of 10 times to take out the money.Miss li don't give up hope,She asked the bank:"Can I have a debit card in your line,Put the money turn in the past?"But bank officials said,The bank is not opened the function.It makes miss li was depressed.

　　一般人都知道，信用卡取现需收取手续费和利息。但取出自己存在信用卡里的钱，也需要交钱，这就让许多人感到意外了。记者了解到，信用卡客户若往信用卡里预存了现金或在还款时多存入现金，这笔钱便成了“溢缴款”。而“溢缴款”存入信用卡后不但不能计活期存款利息，而且在取现时往往还会收取一定的手续费用，两头都吃亏。

Everybody knows that,Credit card to withdraw cash collection poundage and interest.But there it his credit card money,Also need to make money,This let many people feel wrong.The reporter understands,If the credit card customers to credit card stored cash or in more payments in cash,The money became"Overflow payment".and"Overflow payment"After the credit card deposit not only can't gauge current deposit interest,And in withdraw cash often will also charge a certain formalities charge,Both suffer.

“溢缴款”收费最高不封顶 "Overflow payment"Charge is highest do not capped

　　就李小姐的遭遇，记者昨日分别走访了多家银行，对本地信用卡“溢缴款”手续费的收取情况调查。在采访中，记者发现，随着银行间信用卡业务竞争的加剧，多数银行已免收本地同行支取信用卡“溢缴款”的手续费，但部分银行仍存在收取“溢缴款”手续费的现象，而且标准不一，甚至最高收费不封顶。

Is miss li experience,Reporters yesterday visited many Banks respectively,Local credit card to"Overflow payment"The fee charged condition survey.In the interview,Reporter discovery,As between the bank card business competition intensifies,Most Banks already will be exempted from local counterparts on credit card"Overflow payment"commission,But some of the bank charge still exist"Overflow payment"Commission phenomenon,And different criteria,Even the highest charges not capped.

　　以四大行为例，据工行、建行工作人员介绍，他们已经取消了本地同行信用卡“溢缴款”支取的手续费；中行对金额在5万元以下的“溢缴款”是免手续费的，但需要在柜台上办理，若所取金额高于5万元，则需要收取万分之零点二的手续费，若在ATM上取现，该行中银系列的信用卡需要收取1%的手续费，最低8元；农行只对公务卡、温州商人卡等特殊卡种实行本地同行支取信用卡“溢缴款”免手续费，若是该行的单币种的普通信用卡，则仍需收取1%的手续费，最高不封顶。而异地、跨行支取“溢缴款”，大多银行均需交纳一定的手续费。

Take four big behavior exemple,According to the icbc/The construction bank staff introduced,They have canceled the local counterparts credit card"Overflow payment"Draws out the charges;The amount of bank of China in 50000 yuan of the following"Overflow payment"Is free of charge,But need on the counter to deal with,If you had taken from the amount of more than 50000 yuan,All points will have to be charged zero point two fee,If you take on ATM all right now,The bank boc series of credit card need to charge 1% commission,Minimum 8 yuan;Agriculture bank only for official business card/Wenzhou businessmen card and other special card kind of implement local counterparts on credit card"Overflow payment"Free of charge,If the bank's single currency of ordinary credit card,Is still need to charge 1% commission,Highest do not capped.And different/Inter-bank withdrawal"Overflow payment",Most of the bank all needs to pay a fee.

　　据了解，各家银行针对信用卡“溢缴款”的收费是有“依据”的。今年4月1日开始公布的服务收费价格目录表，便有对各项服务收费明码标价，其中包括了“溢缴款”取现的手续费收取。由于目前监管部门对银行是否应免除“溢缴款”手续费暂无明确规定，该收费项目仍属市场调节价范围，完全由银行自行决定是否免费。这让很多客户吃了“哑巴亏”。

It is understood,Banks for credit card"Overflow payment"Fee is"According to the"of.This April 1st published service charge price list,There is on all the service charge plain code marks a price,Including the"Overflow payment"Take charge of the commission.Because the present supervision department of bank whether they should be exempt from"Overflow payment"Commission no specific provision,The charging items will belong to the scope of market regulation,Completely by the bank to decide whether free.It makes a lot of customer ate"YaBaKui".

　　一份来自中国客服委对10万名持卡人问卷调查显示，有多达96.47%的人对此项收费感到不理解，48.06%的人感到愤怒，他们认为是银行对自己财产的侵犯。

A customer service committee from China of 100000 cardholder questionnaire survey,As many as 96.47% of people are item charges feel do not understand,48.06% of the people felt angry,They think that is a bank to oneself property infringement.

　专卡专用避免吃“冤枉亏” AD card special avoid eating"Wronged kui"

　　先消费后还款，信用卡的这种消费模式确实吸引了许多人，然而，在实际使用过程中，持卡人稍一疏忽，“天价罚息”、“惯例收费”便随之而来。取“溢缴款”要收手续费便是信用卡的“惯例收费”之一。

The reimbursement after be being consumed first,The credit card the consumption pattern really attracted a lot of people,however,In the actual use process,Cardholder slightly a negligence,"Penalty purchased"/"Practice charge"Then followed.take"Overflow payment"To receive poundage is the credit card"Practice charge"of.

　　因此，理财师提醒信用卡客户们，首先一定要学会区分借记卡与信用卡，勿将两卡误用。在申请信用卡时，则要对使用该卡可能会出现的收费项目及收费标准做到心知肚明。而且，最好同时持有借记卡和信用卡不同卡种，借记卡用来储蓄取现，信用卡用来消费，专卡专用，这样便不会产生额外的负担。

therefore,Financial management division remind credit card customers,First one must learn to distinguish debit CARDS and credit CARDS,Do not put two card misuse.In when apply for a credit card,Is to use the card may appear charging projects and fee standards do also.and,The best at the same time hold debit CARDS and credit CARDS of different card,Debit card to withdraw cash savings,Credit card used to consumption,AD card special,So we don't generate additional burden.

　　而对于信用卡的使用，理财师表示，首先要有“不往信用卡里存大量现金”的意识，除了还清账单之外，尽管避免往信用卡里存钱，而且能不取现尽量不要取现。假如已经产生了“溢缴款”，金额较小的，尽量用刷卡消费来“赎回”，金额较大的，也不要用信用卡在ATM上直接取现。

For the use of credit CARDS,Finance division said,The first to have"Don't go to credit card deposit large amounts of cash"consciousness,In addition to pay off outside the bill,Although avoid credit card to save money,And can not withdraw cash try not to withdraw cash.If has produced"Overflow payment",Amount smaller,As far as possible to use brush calorie of consumption"redemption",Large amount of,Don't use credit card in the ATM directly withdraw cash.

　　巧用信用卡可省异地取款手续费 Use opportunely credit card can be different province withdrawal fee

　　此外，记者了解到，部分银行不但取消了信用卡本地“溢缴款”取现的手续费用，甚至个别银行的信用卡在国内取“溢缴款”也不需要手续费。而在几乎所有银行的借记卡异地取款都需要一定手续费的情况下，这类取“溢缴款”不花钱的信用卡反而拥有了得天独厚的优势。

In addition,The reporter understands,Part of the bank credit card not only cancelled the local"Overflow payment"Withdraw cash fees,Even individual bank credit card in China take"Overflow payment"Also do not need poundage.And in almost all bank debit card different to withdraw all need certain poundage cases,This kind of take"Overflow payment"Don't spend money credit card instead have the advantage of the with abundant resources.

　　理财师指出，只要用好这类信用卡的“溢缴款”，便可使信用卡也成为“运钞工具”，省下异地取款的手续费。“如异地出差或旅游，随身携带大笔现金不安全，而用借记卡又要收取异地取款手续费，此时"溢缴款"便能帮上忙”。

Finance division pointed out that,As long as make good use of this kind of credit card"Overflow payment",He can make the credit card has become"Cash-transport tool",Save different withdrawals commission."Such as different on business or tourism,Carry a large sum of cash unsafe,And with debit CARDS and other charge withdrawal fee,At this time"Overflow payment"Can help".