More money is equivalent to being deposited in the card. In the future, consumption will be deducted from this part of the deposit first, and then deducted after your quota is fully deducted. In addition, if you have spent money since the bill date, the deposit will also be used to pay off this unpaid consumption. Although it is a waste of resources to deposit, it is not recommended that you take it out, because taking it out is equivalent to withdrawing cash, and there will be handling fees and interest. Remember something in the future and don't do it again. As for the overdue you are worried about, it is normal for the system to notify you by SMS one or two days later, and since automatic repayment has been bound, it is impossible to have overdue problems unless there is something wrong with the banking system, but it is not your fault. You can call him and ask him to refund the late fee or something.