Overpayment is the extra money after paying off all the debts of the credit card. This money will be used with your subsequent credit card to offset the bill, so don't worry about the limit.

In case of overpayment, it is recommended that you use it directly. If you withdraw money in cash, there will be a withdrawal fee, but no interest will be charged. Time limit for claim:

1. Take back our account, and it will arrive in 1-2 days;

2. It usually takes 1-3 working days to retrieve the account from other banks.

For more detailed support, please call Ping An Bank's credit card customer service hotline at 955 1 1.