Calculation method of credit card bill: current bill amount = previous bill amount+consumption/cash withdrawal/other expenses-repayment/return/refund.
For example, the last bill was 2000 yuan, the consumption was 1000 yuan, and the repayment was 4000 yuan. Credit card repayment amount = 2000-1000+4000 =-1000 yuan. At this point, the repayment amount is negative.
Overpayment can increase the available credit card limit 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. Overpayment is interest-free.
Extended data
According to the regulations, 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. This can reduce the handling fee.
There is no interest on "overpaying", and it is not good to "recharge" the credit card in advance before spending. If the cardholder wants to increase the credit limit, he can apply to the bank customer service center for a temporary credit limit, and there is no need to increase his spending power by "overpaying".
Baidu encyclopedia-overpay