The money in the credit card can be withdrawn. If the cardholder deposits more money into the credit card, this situation is called "overdeposit". In this case, if funds are tight, the excess money can be withdrawn. If you really have no money and want to withdraw your credit card limit, it is called overdraft withdrawal.

Most credit card cash withdrawals require handling fees, and some banks may waive overpayment cash withdrawal handling fees. Although the money in the credit card is your own money, it takes up the bank's resources. For example, credit cards are different from debit cards. Debit cards are used for savings, while credit cards are used for consumption, so the bank will charge a certain fee.