The funds deposited in the credit card account belong to overpayment, which can increase the available credit card amount and can also 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.

In addition, although the overpayment is money voluntarily deposited outside the credit card limit, it does not bear interest, and a certain fee must be paid to take out the overpayment.

Extended data:

1. Overpayment is a credit card deposit, and the bank does not calculate and pay interest, which is completely different from a savings card.

2. In the regulations on the use of credit cards, ATM withdrawals are basically charged. Usually the standard is 0.5% of the withdrawal amount, and the minimum charge is 5 yuan.

3. If there is "overpayment", the withdrawal fee will still be charged according to the credit card withdrawal standard. In this case, the cardholder can 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.

Baidu encyclopedia-overpay