The part of credit card repayment that exceeds the limit is generally called overpayment. This part of the money is shown in negative form on the credit card available limit. For example, if you spend 100 yuan with your credit card, but you return it to 500 yuan, then your next limit will be displayed-400 yuan. Money that exceeds the repayment amount will be deposited in your credit card, which will not generate interest or commission. Generally speaking, there are three ways to deal with the money:

I. Withdrawal of cash

Take out the extra money. However, this operation will generate a certain handling fee. Different banks charge different fees, such as Guangfa Bank. No matter whether you withdraw your cash at the ATM of Guangfa Bank or at the counter of Guangfa Bank, as long as you are in Chinese mainland, there is no handling fee at our bank, inter-bank, local or disaster area. Other banks, such as Industrial and Commercial Bank of China, China Construction Bank, Bank of Communications, Huaxia Bank, etc. No handling fee will be charged for handling cash withdrawal business at local ATM or bank counter, but a certain handling fee will be charged if one of them does not meet the above conditions. Therefore, the specific handling fee should be consulted with the bank to which your credit card belongs.

Second, the money stays in the card.

Pay with this card when you buy something. If the excess amount is not large, you can use this method to shop with the money in the credit card, and there will be no interest and handling fee.

Third, the remaining money in the card will be deducted for the next repayment.

If you leave the money in the card without spending it, it is equivalent to adding it to your loan amount and giving priority to deducting this amount in the next loan period. In fact, this is the same principle as the second method.

If your credit card will continue to be used and there is not much extra money, then I suggest you leave the money in the credit card, because the credit card itself is designed for people to spend in advance, and there will be no interest on saving money. On the contrary, withdrawal requires a certain handling fee. Spending this money with a credit card will not generate interest and handling fees, nor will it affect your credit limit. In addition, I suggest that you choose a repayment method that is more suitable for your own consumption during the next credit card loan repayment period to avoid the worry of overpayment.