The so-called overpayment refers to the excessive payment of funds by credit card customers or the funds deposited in credit card accounts, and a certain fee must be paid to take out the overpayment. This amount can increase the available credit card, 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. Don't worry about overpaying every time you pay your debts. Pay more money and put it in the card for next time.
The overcharged fee is charged according to a certain proportion, which seems to be 5‰ of the refunded amount, ranging from the lowest in 5 yuan to the highest in 200 yuan. For details, please contact the China Bank Credit Card Hotline.