Hello, if it is a China Merchants Bank credit card, your friend can transfer money to your credit card. However, the excess repayment funds on the credit card can be used to offset the bill amount of your credit card.

If you want If withdrawn, the excess repayment can be withdrawn in cash, but a handling fee will be charged (the handling fee for domestic RMB cash advances is calculated as 1% of the amount of each cash advance, and the minimum charge is RMB 10 per transaction). In addition, according to the People's Bank of China According to relevant regulations, the cumulative daily cash advance amount of each domestic card shall not exceed RMB 5,000. It is recommended that you apply for a refund of overpayment, as the handling fee is slightly lower. Please call the customer service hotline 4008205555, follow the voice prompts to enter your ID number or card number and query password, and then select "9" to transfer the service specialist to apply for you. The overpayment redemption account must be consistent with your credit card account name, and a certain handling fee must be paid. The handling fee is 0.5 of the amount to be reclaimed. The minimum charge is ￥5 yuan or $1 USD. Currently, our bank has launched a preferential policy, and the maximum charge is ￥ 50 yuan or $10 USD.