1. Consumption by credit card: The user’s overpayment can be deducted by consumption by credit card. Users can swipe their card directly when checking out, and overpayments will be deducted first.

2. Cash transfer: Users can go to the bank counter to handle it, or ask the staff where the relevant equipment is and go to the equipment to handle it, and transfer the overpayment to the user's own bank card.

3. Withdrawal: There is no handling fee for overpayment withdrawal, nor is there any interest. Users only need to bring the relevant identity certificate to the local bank branch for over-the-counter processing. If you use an ATM machine, you will need to pay a certain handling fee.

Under what circumstances will post-loan management generally occur with credit cards?

1. If the user’s credit card is overdue, post-loan management will be carried out. If the user's credit card is overdue, there will be a record on the personal credit report. The bank can query the user's credit report and make inferences to conduct post-loan management.

2. If a user applies for a balance adjustment from the bank and the interface displays a request to check personal credit, it means that it is post-loan management. The bank will use these judgments to increase or reduce the user's limit.

3. Credit card installment will also lead to post-loan management. Some credit cards will be reviewed by the bank after installment, and the user's credit report also needs to be reviewed. This situation is also post-loan management.

4. If a user makes an abnormal transaction using a credit card, and the bank’s risk control system catches it, it will also conduct post-loan management. In serious cases, the bank will block the user's credit card or reduce the limit.