You have to pay a certain fee to take out the overpaid part. This money can increase the limit of available credit cards, or be directly used for consumer repayment. If the credit card has overpayment, the overpayment shall be deducted first, and then the credit line shall be deducted. If the overpayment is greater than the consumption amount, there will be no overdraft. For example, if 900 yuan needs to be repaid in this period, the actual repayment is 1 1,000 yuan, and the extra 1 1,000 yuan is the overpayment. Some cardholders will mistakenly deposit money into their credit cards (credit cards don't need to deposit money, just spend it first and then repay it). If you put the money into your credit card in advance and don't spend it, you won't get the money. If you want to withdraw cash, you will charge a high handling fee and try to avoid it (overpaying without interest).
In fact, banks do not encourage cardholders to recharge their credit cards, because credit cards use the mode of spending first and then repaying. Therefore, the bank stipulates that a certain handling fee should be charged for the overpayment. At the same time, the handling fee for cash withdrawal of credit card overpayment varies from bank to bank.
The credit card of Bank of Communications is free of charge in the same city, and the inter-bank transaction in the same city is charged according to 2 yuan, and the withdrawal (transfer) in different places is still charged at 0.5% of the withdrawal amount, with a minimum of 10 yuan.