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Credit card repayment amount is greater than the amount owed. Where is the extra money?
When the repayment amount of a credit card is greater than the amount owed, the excess will be displayed in negative numbers, which is called overpayment.

1. The overpaid part is accumulated in the credit line, and the next consumption will be given priority;

2. When withdrawing the overpaid part, you may need to pay the formalities fee; Overpayment of China Merchants Credit Card requires a handling fee, generally 1%/ transaction, and the lowest 10 yuan/transaction. Some banks don't need handling fees.

How to check the credit card overpayment?

You can check the credit card account. The available amount in the account is subtracted from the total amount of your credit card, and the rest is the overpaid amount. Credit card overpayment can be queried by logging in to mobile banking or online banking, or by calling customer service. When the repayment amount of a credit card is greater than the amount owed, the excess will be displayed in negative numbers, which is called overpayment.

Benefits of credit cards:

1, emergency

Credit card consumption avoids the trouble of paying cash in the past. Users can spend first and then repay, which is very helpful in the case of insufficient capital turnover.

2. Preferential activities

In order to promote credit cards and expand market share, many businesses have cooperated with banks, and consumers can enjoy credit cards.

Discounts and other preferential activities.

3. Consumption deduction point

When users' points reach a certain level, they can exchange gifts, including things and virtual items, at the integral mall of the Credit Card Center website.

4. Personal reputation

Banks attach great importance to the credibility of lenders, and actively using credit cards can effectively enhance the bank's trust in you.

5. Online consumption.

Disadvantages of credit cards:

1, irrational consumption

Credit cards are very convenient and quick to use, and it is easy to spend blindly.

2. High interest rates

The bank has a repayment date. If the user fails to pay off the current arrears before the final repayment date, he needs to pay bank interest and late fees.

There is an annual fee for credit card.

Step 4 steal brushes

Nowadays, there are more and more phenomena of stealing brushes in society. Criminals use high-tech means to copy other people's bank cards, credit cards and passwords, and withdraw cash for their own use.

Turned into property damage.