The extra money in a credit card is called overpayment. This part of the money can be taken out, but it takes a certain fee to take out this part of the money. Different banks charge different fees for credit card overpayment, ranging from 0.5% to 3%, from 1 yuan -30 yuan to 50 yuan -500 yuan. Some banks even have the lowest fees, but the highest fees are not capped. So, if it is not necessary, I suggest that you leave this part of the money in your credit card as.