the extra money from ABC's credit card belongs to overpayment, which can be withdrawn, but the handling fee will be deducted. Banks generally do not encourage cardholders to charge more money into credit cards, because credit cards use the mode of spending first and then repaying. Therefore, the bank stipulates that the overpayment is subject to a certain handling fee.

1. Overpayment by credit card of Agricultural Bank of China-domestic withdrawal

1. Overpayment and transfer by the Bank in China: 1% of the transaction amount, with a minimum 1 yuan;

② Withdrawal of excess repayment and transfer-out by other domestic banks: charged at (1%+2) yuan of the transaction amount, with the lowest 3 yuan;

③ excessive repayment and transfer from the domestic foreign currency withdrawal account: 1% of the transaction amount, with a minimum of USD 1 (or equivalent in other foreign currencies);

2. Overpayment by credit card of Agricultural Bank of China-overseas withdrawal

Overpayment by overseas withdrawal: 3% of the transaction amount or (1%+12) yuan/transaction, with a minimum of USD 3 (or equivalent in other foreign currencies);

Of course, the credit card of Agricultural Bank of China can not be cashed in all cases. You need to withdraw the overpayment through the following channels:

1. Within China:

① Cardholders can withdraw RMB cash from the ATM of Agricultural Bank of China or the ATM of other banks with UnionPay logo;

② Cardholders can withdraw cash with their credit cards and payment passwords at the counters of various outlets of Agricultural Bank of China;

2. Overseas:

① Cardholders can withdraw local currency from ATMs marked with VISA, MasterCard and UnionPay;

② Cardholders can withdraw local currency at some bank counters marked with VISA, MasterCard and UnionPay.