I believe that many card friends will encounter such a problem. On the last repayment date, a lot of money was transferred to the credit card. After deducting the credit card arrears, there will still be some money left, which is called credit card overpayment. If you want to withdraw the money, you have to charge a handling fee. Then, can the credit card overpayment be used for direct consumption and how to do it? 1. What is the credit card overpayment? It refers to the money left in the balance account after the cardholder has repaid all the debts payable in this period. According to the credit card contracts of most banks, the overpayment is not entitled to deposit interest in the credit card, but a certain handling fee is required when it is taken out.

second, how to spend the credit card overpayment. Since there is a handling fee for withdrawing the credit card overpayment, can I spend it directly by swiping the card? The answer is yes, and when there is an overpayment in your credit card, you will be given priority to deduct the overpayment by swiping the card, and the next bill will be generated only after the overpayment is deducted. It is not recommended to deposit too much money into the credit card, so you don't enjoy interest, and you need to pay a handling fee to withdraw cash. Although the overpayments of Bank of China, ICBC, China Construction Bank, Bank of Communications, Minsheng, Huaxia and Shanghai Pudong Development Bank are withdrawn by the Bank, there is no handling fee. However, in order to maximize your interests, it is suggested that you directly bind your credit card to the relevant debit card and implement automatic deduction and repayment. If you have extra money, there are a wealth of products in our wealth management supermarket to realize money rolling for you!