When the credit card deposit exceeds all debts in the account, so much money is called "overpayment" and will be deducted automatically after credit card consumption.

Note: Credit card is not a savings card. Don't deposit money into a credit card account without debt. Of course, it can be used for credit card consumption in the future, otherwise a certain handling fee will be charged for withdrawing money.

Two, the Agricultural Bank of China credit card payment methods and fees:

1, ABC's credit card overpayment collection method is the same as overdraft withdrawal, and it can be withdrawn by ATM or at the counter of ABC's business hall.

2. The Agricultural Bank of China will charge a handling fee for the credit card overpayment, and the charging standard is the same as the overdraft handling fee;

Withdraw the handling fee for overpayment or transfer from domestic banks: charge a handling fee of 1% of the transaction amount, with a minimum of 1 yuan per transaction;

Withdrawal or transfer of overpayment from other domestic banks: a handling fee of 1%+2 yuan will be charged for each transaction, with a minimum of 3 yuan for each transaction;

Overpayment or transfer from a foreign currency account in China: 1% of the transaction amount, with a minimum of 1 USD or other equivalent foreign currency.