1. The so-called overpayment refers to the funds overpaid by credit card customers or deposited in credit card accounts, and it may take a certain fee to withdraw the overpayment.

2. This money can increase the available credit card limit or be directly used for consumer repayment.

3. If the credit card has overpayment, deduct the overpayment first, and then deduct the credit line. If the overpayment is greater than the consumption amount, there will be no overdraft.

4. 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 overpaid part.