For example, your credit card limit is 10000. In this bill, you spent a total of 3000 yuan, but you paid back 3 180. The extra 180 is your overflow deposit.
Credit card "overflow deposit" may occur after the credit card is recharged, and the amount is equal to all deposits MINUS the amount owed in the bill. Most card-issuing banks will handle the overdraft withdrawal of their own deposits for cardholders and charge a certain handling fee.
This money can increase the available credit card limit, or be directly used for consumer repayment;
If the credit card has overpayment, the overpayment shall be deducted first, and then the credit line shall be deducted. If the overpayment is greater than the consumption amount, there will be no overdraft.
If you put the money in your credit card in advance without spending it, you won't get this part of the money. If you want to take it, you will charge a high handling fee and try to avoid it. Most banks charge fees ranging from 0.3% to 3% for withdrawing excess deposits, with the lowest fees ranging from 1 yuan 2 yuan to 10 yuan 30 yuan.
Overpayment is interest-free.
Extended data:
Precautions:
When paying back money with a credit card, some people often put more money into the credit card to be on the safe side, thinking that there is no need to pay interest when withdrawing money. Actually, this is a misunderstanding. If there is excess deposit in the credit card, the cardholder will not only get interest, but also face the handling fee for withdrawing the "excess deposit". Moreover, the handling fee for "excess deposits" is not low.
Baidu Encyclopedia-Overflow Deposit