1. You can withdraw cash, but there is a handling fee;

2. You can contact the customer service of the credit card center and ask the other party to return the extra money to the savings card account bound to your credit card. It will take a long time;

3. With a credit card, even if you pay in US dollars, you don’t need to deposit US dollars. When the credit card is repaid, it will be automatically converted according to the exchange rate of the day. You only need to deposit the sufficient amount of RMB. , of course, if you use a POS machine other than UnionPay, you will have to pay a certain foreign exchange conversion fee.