hello, if you are a credit card of our bank, when the amount deposited in the credit card exceeds all the debts under the account, the extra amount is called "overpayment", which will be automatically deducted from the credit card consumption.

the cardholder can also call the credit card service hotline of our bank and get back the overpayment by transferring money to the debit card in his name. The account name and ID number of the debit card used must be the same as that of the credit card, and the US dollar overpayment is only collected by China Merchants Bank Card.

way to get it back: call the credit card service hotline, verify your identity, and press 9 to transfer it to the customer service specialist.

handling fee for recovery of overpayment: .5% of the recovery amount, with a minimum of RMB or USD 1 in 5 yuan and a maximum of RMB or USD 1 in 5 yuan.

note: if the overpayment is withdrawn through the cash advance channel, the cash advance fee will be charged.

if you have any other questions, please add QQ corporate customer service 4825555 or find the WeChat public account "China Merchants Bank Credit Card Center" and add attention.