The credit card cannot be refunded after repayment, because it belongs to the part that should be repaid, not the consumption money, so it cannot be refunded. Credit card consumption is recommended. You can get it back through manual application, but there will be a handling fee.

Moreover, consumer refunds cannot be regarded as repayment.

You can apply for transfer to a debit card, but there is a charge. You can call the credit card center to apply, and the customer service will transfer to other debit cards of the bank. However, this operation still has a certain cost. Specifically, it will be charged at 1% of the received amount, with a minimum of 10 yuan per transaction.

If the cardholder wants to get back the overpaid money directly in cash through the ATM, the result will not be worth the loss: the bank will regard it as cash withdrawal, not only charging the cash withdrawal fee, but also compounding interest on a daily basis, and many banks have set the limit for cash withdrawal on the same day.