You can transfer it, but you have to pay a certain fee. Generally, the extra money can automatically offset the unpaid bills or be consumed later. Credit card is recommended. \x0d\ The so-called overpayment refers to the overpayment made by a credit card customer or the funds deposited in a credit card account, and a certain fee must be paid to withdraw the overpayment. This amount can increase the available credit card, 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. \x0d\ Note: \ x0d \ 1. Overpayment is a credit card deposit, and the bank does not calculate and pay interest, which is completely different from a savings card. \ x0d \ 2。 According to the regulations, there is a charge for withdrawing cash by credit card. The charging problem should be viewed from two aspects: \ x0d \ x0d \ 1) In the regulations on the use of credit cards, ATM machines basically charge withdrawal fees, and the usual standard is 0.5% of the minimum withdrawal amount charged by 5 yuan; The handling fee for overseas cash withdrawal is higher. \x0d\2) If there is "overpayment", the withdrawal fee will still be charged according to the credit card withdrawal standard. In this case, it is suggested that the cardholder transfer the overpayment on the credit card to the debit card of the same name of any bank, and then withdraw cash from the debit card, which can reduce the handling fee.