If the credit card is overpaid, it can be withdrawn. If you deposit money in a credit card, you will have to pay a handling fee if you want to take it out. Of course, this handling fee will vary according to the bank, and the fees charged will not be used.

if you use a credit card to repay more money and you can take it out, this situation is called overpayment.

Overpayment refers to the funds overpaid by credit card customers or the funds deposited in credit card accounts, and a certain amount of fees must be paid to take out the overpayment. This sum can increase the available credit card limit, or be directly used for consumer repayment. If there is overpayment in the credit card, the overpayment will be deducted first, and then the credit line will be deducted. If the overpayment is greater than the consumption amount, there will be no overdraft.

For example, 9 yuan needs to be repaid in this period, and 1 yuan is actually repaid. The extra 1 yuan is the overpayment. Some card friends will mistakenly deposit money into the credit card. If they deposit money into the credit card in advance without spending, they will not be able to withdraw this part of the money. If they want to withdraw it, they will charge a high handling fee, so they should be avoided as much as possible.

In fact, banks do not encourage cardholders to charge money into credit cards, because credit cards use the mode of spending first and then repaying. Therefore, the bank stipulates that the overpayment is subject to a certain handling fee. At the same time, the handling fee for cash withdrawal of credit card overpayment is different from bank to bank. Overpayment is interest-free.