If Ping An Credit Card repays more than the quota, the excess will become an overpayment, and a certain fee will be paid to take out the overpayment. 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.

Credit card repayment method:

1, repayment at bank outlets.

Bank branch repayment is the most traditional repayment method of credit card, which is gradually ignored with the development of information age. However, the repayment of bank outlets is not limited to the repayment of business halls. Now many banks have set up credit card repayment function on ATM machines.

2. Binding debit card for automatic repayment.

The binding debit card automatically withdraws the repayment amount from the debit card on the repayment date. Automatic repayment methods are divided into full repayment and minimum repayment, and cardholders can choose according to their own needs.

3. Mobile banking repayment.

Mobile payment has become a common payment method. Credit card holders can also log in to mobile banking for credit card repayment on the repayment date, and most mobile banking transfers are free.

4. Online banking repayment.

For online banking transfer, the cardholder only needs to log in to the computer, open the webpage and enter the card number and password to complete the credit card repayment. Peer transfer in the same city is free, but inter-bank transfer or peer transfer in different places will charge a certain handling fee according to the transfer amount.

5. Repayment by the third-party payment platform.

Cardholders will enjoy free or charged repayment service, depending on the method or bank they choose.