Will not automatically repay, the overflow part can only be used for daily consumption. First, it will be deducted from the overflow, but the repayment amount will not be deducted from the overflow on the repayment date.

If the cardholder encounters "overpayment", it is best to spend the overpayment by swiping the card to avoid unnecessary expenses.

Extended data:

1. Overpayment is a credit card deposit, and the bank does not calculate and pay interest, which is completely different from a savings card.

2. Cash withdrawal by credit card is charged according to regulations. The charging problem should be viewed from two aspects:

1) In the regulations on the use of credit cards, ATM withdrawals are basically charged. Usually the standard is 0.5% of the withdrawal amount, and the minimum charge is 5 yuan; The handling fee for overseas cash withdrawal is higher.

2) If there is "overpayment", the withdrawal fee will still be charged according to the credit card withdrawal standard. In this case, it is suggested that the cardholder transfer the overpayment on the credit card to the debit card of the same name of any bank, and then withdraw cash from the debit card. This can reduce the handling fee.

On March 5th, 20 12, the customer service committee of China Service Trade Association released the survey results, and 96.47% of the customers were puzzled by the fact that "it is too much to pay back the credit card, but there is still a handling fee to take it out". Among them, 48.06% people are very angry and think that the bank has violated their property, and most people show helplessness. Basically all customers want the bank to cancel this overlord clause.

Baidu encyclopedia-overpay