The problem of excessive repayment of credit cards often occurs in reality. Maybe some people will think, how can anyone make such a low-level mistake? But the reality is true. There are too many people who can't stand using credit cards, and there are always mistakes. But in reality, hundreds and thousands of wrong accounts are common, and tens of thousands of wrong accounts, especially those of more than 100 thousand yuan, are rare. What should we do in the event of such a mistake?

How to deal with the excessive repayment of credit cards?

If the amount is relatively small, for example, less than 5,000 yuan, you can spend it directly by credit card without handling it. After all, it always costs money every month, and 5,000 yuan may only take one or two months. A proper brush is enough to finish the overpayment, especially in case of large expenses, such as paying auto insurance or doing maintenance, which may be finished at once.

If the amount is large, such as 200,000 yuan mentioned in your topic, if you use a credit card, most people may need a year or two or even longer to pay it back. The overpaid part has no interest, so it is obviously not suitable to use a credit card. At this time, the easiest way is to get a credit card from the bank where the credit card is located, and then transfer the excess payment on the credit card to the savings card of the bank. This peer transfer is free, and the funds are transferred to the savings card.