If it is a CMB credit card, you can use it to offset the subsequent expenses. If you remit the excess money from your credit card to your smart card, you will be charged a handling fee of 0.5% of the recovery amount, and the minimum charge is 5 yuan RMB or US$ 65,438 +0. At present, our bank has introduced preferential policies, and the maximum charge is 50 yuan, which is US$ 65,438+00. If it's convenient for you, I suggest you use the extra money to offset future credit card spending.