The overpaid money on the credit card is still in the credit card. This part of the money will form an overpayment on the credit card. The overpayment can be withdrawn in cash, but a certain handling fee will usually be incurred.

When the relevant user uses a credit card to make a purchase, if there is an overpayment in the card, the overpayment will be used first, and the credit limit of the card will be used after the overpayment is used up.

If the customer does not make a payment with a credit card, or if there is any overpayment left after making a payment with the credit card, it will be reserved for the next bill repayment. It should be noted that if the overpayment is left on the card for a long time and is not used, it may become a bad debt.