When the amount deposited in the credit card exceeds all debts under the account, the extra money is called "overpayment" and subsequent credit card consumption will be automatically deducted. Cardholders can also call the bank's credit card service hotline and collect the overpayment by transferring money to their debit cards. The account name and certificate number of the debit card used must be the same as that of the credit card.

Credit card, also known as credit card, is a credit certificate issued by commercial banks or credit card companies to eligible consumers.