The extra money saved by credit card users or the arrears deposited in credit cards is called overpayment, which means overpayment as the name implies. For example, 500 yuan needs to be repaid in this period, and 600 yuan is actually repaid. The extra 100 yuan is overpaid. This part of the money can be withdrawn, can also be directly used for consumption, and can also increase the available credit cards, but if you want to withdraw cash, you need to pay the corresponding handling fee. There is no interest on the overpaid part.

Extended data

Credit card payment method

1, within the issuing bank

This method includes: issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. The credit card limit will be restored immediately after repayment, and the money will generally be recorded after being processed by the system on the same day.

2. Transfer/remittance repayment

Mainly divided into two ways: inter-bank in the same city and inter-bank in different places. Whether it is transfer or remittance, the remittance bank will charge a certain fee, and the payment time and repayment convenience are not as good as those of peers, online repayment and convenience stores.

3. Online repayment

Common domestic network platforms are: UnionPay Online, Kuaiqian, Shengfutong, Alipay, Tenpay and so on. Choose different platforms and banks, and the charging standards and specific arrival time are different.

Baidu encyclopedia-overpay

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