Overpayment is a Chinese word. Refers to the funds overpaid by credit card customers or deposited in credit card accounts, and a certain fee must be paid to take out the overpaid funds. This money can increase the limit of available credit cards, or be directly used for consumer repayment. If the credit card has overpayment, the overpayment shall be deducted first, and then the credit line shall be deducted. If the overpayment is greater than the consumption amount, there will be no overdraft. Overpayment is interest-free.