you can't withdraw the overpaid money, and you will be charged a handling fee. If it's not a lot, just put it in a credit card and spend it later.

if it is a lot, you can hang an item transaction on Taobao, and then pay by credit card, and then the transaction money you receive can be withdrawn.

However, the account holder of the receipt card and the holder of the credit card cannot be the same person, otherwise it will be considered as a false transaction, and the transaction will be cancelled, which may also involve credit card fraud.

so you need the help of someone you can trust.