If the user accidentally repays more than the actual bill amount of the credit card, don't worry, it won't have any impact if the credit card overpays.

1. What should I do if I overpay?

if the user accidentally repays more than the actual bill amount of the credit card, then don't worry, and the credit card overpayment will not have any impact. General credit card overpayment is called overpayment. In general, overpayment can be solved by the following methods.

1. Credit card spending: Generally, if there is overpayment in the credit card, the overpayment in the user's account will be deducted first, so that you can use more money normally.

2. Withdrawal: Overpayment in credit card can be withdrawn, but generally some banks will charge users withdrawal fees according to credit card withdrawal.

then choose the repayment method by credit card. There are generally the following credit card repayment methods:

1. Mobile banking repayment: the user transfers the corresponding repayment amount to the corresponding credit card through mobile banking, and the repayment is successful;

2.ATM repayment: users can make credit card repayment on the self-service deposit and withdrawal machine;

3. Repayment by third-party payment platforms such as Alipay, WeChat and Xiaoman Wallet: Users can bind credit cards on third-party payment platforms and then repay, but generally they need to pay a certain repayment fee.

4. Binding bank card for automatic repayment: We can bind a bank card when handling credit cards. Then on the repayment date, the bank will automatically deduct the corresponding repayment amount from the bank card bound by the user for the repayment of the credit card. Related Q&A: What if the credit card pays more? What if the credit card pays more? The extra credit card money can be put in it to pay the next account, or it can be taken out, but the bank will charge a handling fee when it is taken out. There are also different standards for banks to charge fees for withdrawing overpayments: the minimum fees range from .5% to 3%, the minimum basic fees range from 1 yuan to 3 yuan, and the maximum capped fees range from 5 yuan to 5 yuan. Some banks even have the minimum fees, and the maximum fees are not capped. Cardholders may have to pay a lot of fees if they want to withdraw excess deposits. How to pay back the money on the credit card? What will happen to the money on the credit card at the bank counter? 5. If the debt exceeds 5, yuan and it is overdue continuously, the bank can appeal to the court and pursue your criminal responsibility (going to jail). If it is overdue continuously, the bank can file a civil lawsuit against your personal performance; 6. If you owe more than 1, yuan and are overdue for more than 3 times in a row (inclusive), the direct impact is that you will not be given a credit line, friends or company within two years, and the bank will start calling your home; 3. Personal credit declined, and the bank began to call you for collection; 4. If it is overdue for more than 5 times in a row (inclusive), personal credit will drop rapidly. 1. Overdue in the current period will not affect your personal credit record; 2. How do you know how much you still owe your credit card when the accumulated overdue is more than 5 times (inclusive)? The inquiry methods of credit card arrears are as follows: 1. Inquire about bank credit card arrears online: You can easily inquire about the current arrears of bank credit cards through bank credit card online banking. 2. Telephone inquiry of bank credit card arrears: Call the bank credit card number and switch to manual service, then you can ask the customer service to inquire about the current arrears. 3. Inquiring about the bank credit card arrears on the statement: The bank credit card arrears information and repayment information are listed in detail on the statement mailed by the bank to the cardholder in each issue, and the cardholder can know his arrears by inquiring about the latest statement. However, the arrears information on the statement is only the arrears information before the last credit card billing date, not real-time. Excuse me, can I transfer money directly from a credit card to pay back the money from another credit card? Under normal circumstances, credit cards do not have the function of transfer, but they can be carried out in the following ways: 1. Credit cards can't transfer money out under normal circumstances, but they can transfer money into credit cards by means of transfer. However, if the cardholder wants to transfer money by credit card, it can also be achieved by withdrawing cash by credit card. 2. As this process is transferred by cash withdrawal by credit card, it is necessary to pay the same handling fee as cash withdrawal by credit card. The domestic cash withdrawal handling fee is 2.5%, and the minimum amount is 1 yuan people's currency. In addition, the cardholder has to pay a daily interest of 5%. 3. If the cardholder wants to transfer money through online banking, it is also possible. However, because the credit card does not have the function of overdraft transfer, the cardholder can only use the credit card to recharge Alipay after opening online banking, and can only transfer money after Alipay has money. Suggestion: If you want to transfer money by credit card, you'd better not use cash withdrawal to transfer money, because once you transfer money, the interest you pay is relatively high, which is not cost-effective.