1. Spending by swiping a credit card. Overpaying a credit card is equivalent to increasing the available limit of the credit card. When using a card for consumption, the overpayment limit will first be deducted by default, and then the normal credit limit will be overdrawn, and the overpayment consumption will not be included in the overdraft interest. Therefore, not only can you pay the excess payment yourself, but you can also help others pay it, and then let others pay you in cash. In the process of swiping the card, you can also accumulate points and good personal credit for yourself.
2. Withdraw cash according to the situation. Some cardholders may be in a hurry to use cash, so they may consider withdrawing the overpayment in cash. However, it is still recommended that you consult your credit card issuing bank’s charging standards for overpayment cash withdrawals to avoid paying excessive handling fees. Some banks have canceled the handling fees for overpayment cash withdrawals. For example, banks such as Guangfa, Huaxia, Beijing, and Ningbo do not charge handling fees. For example, credit cards such as ICBC, China Construction Bank, and Bank of Communications do not need to pay handling fees when withdrawing excess payment from local banks. In addition, for some cards of Agricultural Bank of China and Bank of China, there is no handling fee for overpayment withdrawals at local banks. Moreover, the standards of each bank are updated from time to time, so you can consult the bank for specific charges. If the card you hold has special regulations, such as the CMB YOUNG card, the first cash withdrawal per month is free of charge. You can also withdraw cash directly without paying any handling fees.