Hello, if it is a China Merchants Bank credit card, when there is an overpayment (overpayment or refund after offsetting the fees) on your credit card account, if you want to get the overpayment back, you can apply for the overpayment. The overpayment will be remitted back to the designated bank account in your name (US dollars can only be withdrawn to your own China Merchants Bank account). A certain handling fee is required to claim the overpayment (it is free to claim your own bank card for commercial cards). You may also not receive back the overpaid card amount, which will be used to offset your future card usage. Our bank will not pay deposit interest for the overpayment amount on your credit card account.

1. The handling fee for overpayment recovery is 0.5% of the amount recovered, with a minimum of RMB 5 or US$1 per transaction. Currently, our bank has launched a discount, with a maximum charge of RMB 50 or US$10 per transaction. . 2. If the overpayment is withdrawn through cash advance channels, a cash advance fee will be charged. 3. Business card holders can receive their own bank card for free.