there are often card friends who overpay their credit cards, or pay back their money before the credit cards are refunded, which will lead to overpayment. However, there may be a handling fee for taking out the overpaid money. Many friends want to use the overpaid money to offset the next arrears. In fact, whether the credit card overpayment can be used for the next repayment depends on the staging. Let's have a look. Can credit card overpayment be used for the next repayment? Credit card overpayment refers to the amount exceeding the credit card limit. This part of the money is everyone's own money, but there will be no interest. You can use your credit card directly. As for whether you can repay the arrears in the next period, it depends on the bank's regulations. For example, China Construction Bank, Shanghai Pudong Development Bank, Bank of Communications, Guangfa Bank and China Merchants Bank all say that they can repay the arrears, but it depends on the time when the overpayment arrives. If it is paid after the arrears, the next arrears can be paid directly. For example, the cardholder's credit card bill comes out, and there is consumption before repayment. The overpayment generated after repayment can be deducted from the next arrears. If you have overpaid before spending, pay with the overpaid part first, which may not be able to deduct the arrears. I really don't know. There is only one way, that is, according to the repayment amount after the next bill comes out. If there is overpayment and consumption at the same time, but the repayment amount is , then there is no doubt that the arrears will be deducted from the overpayment and there is no need to repay again. Otherwise, it means that there is no deduction, and you still need to repay it yourself during this period. The above is the answer to "Can credit card overpayment be used for the next repayment?" I hope it helps you. By the way, if there is no consumption after the credit card is overpaid, it is likely that the overpaid bad debt will be formed in more than 18 days and reported to the central bank for credit investigation. The consequences are much more serious than overdue, and the overpayment should be solved as soon as possible. /1b4c51fd9f9d72a344acc89c62a2834349bbb7c? x-bce-process=image%2Fresize%2Cm_lfit%2Cw_6%2Ch_8%2Climit_1%2Fquality%2Cq_85%2Fformat%2Cf_auto