You can take it out or not and just put it in the card for consumption. This amount can increase the available limit of your credit card or be used directly for consumption repayment. If there is an overpayment on the credit card, the overpayment will be deducted first and then the credit limit. If the overpayment is greater than the consumption amount, there will be no overdraft. No interest is accrued on overpayment.

Handling fee for overpayment recovery (overpayment fee)

1. There is no handling fee for overpayment recovery through online banking channels;

2. Others The fee standards for collecting overflow payments through channels are as follows:

The transfer amount (equivalent to RMB) is less than 10,000 yuan (inclusive), and each transaction is charged RMB 5.5;

The transfer amount (equivalent to RMB) ) 10,000-100,000 yuan (inclusive), each transaction is charged RMB 10.5;

The transfer amount (equivalent to RMB) is more than 100,000 yuan, each transaction is charged RMB 15.5.

Extended information:

According to Article 5 of the "CITIC Credit Card (Personal Card) Use Agreement (New Version)":

If there is no special agreement, then Party A will not pay interest on the overpaid funds in the credit card accounts of Party B and its supplementary cardholders. If Party B and its supplementary cardholders want to receive back all or part of the overpaid funds in the credit card and transfer them to their personal settlement accounts at CITIC Bank or other banks, they shall submit a written application to Party A and pay the overpayment as agreed. Return handling fee.

The handling fee for overpayment recovery in excess foreign currency will be calculated in RMB. The billing base is the amount after the transfer amount is converted into RMB. The currency conversion exchange rate is calculated based on the Bank’s exchange selling price on the day of transfer. .

Baidu Encyclopedia - Overpayment

CITIC Bank - CITIC Credit Card (Personal Card) Application Agreement (New Version)