Yes, the annual credit card fee is mainly returned to the credit card account, and then the money becomes an overpayment, but the overpayment in the credit card account will not generate interest, so the user can swipe the card normally, withdraw cash, or directly use it for credit card repayment. However, it is worth noting that there is a withdrawal fee for overpayment, so withdrawal is not very cost-effective.

Therefore, everyone still chooses to use credit cards to spend and repay as much as possible. There is no need to pay extra, and there is no need to worry about spending. Moreover, after the annual fee is returned to the credit card, if it is a hedge bill, the cardholder can't pay back the money. At this time, users only need to swipe their cards directly. Moreover, when spending by credit card, priority will be given to the overpaid part, and the overpaid part will be spent after the credit card limit is swiped.

However, if the user wants to withdraw the overpaid part, it is not impossible, but some banks will charge some handling fees and some banks will not. It depends on the bank's regulations.