The refund will be transferred back to the credit card. The money paid before is still deducted as the repayment amount, and the refunded money is deposited in the credit card, which is called overpayment. The overpaid part can be purchased directly by credit card, or deducted from the next bill of credit card, or taken out, but it takes a certain handling fee to take out the overpaid part.

Overpayment refers to the excess funds paid by credit card customers or the funds deposited in credit card accounts. At present, ICBC, CCB, Minsheng, Huaxia, China Everbright and other banks have realized free withdrawal of credit card overpayments. Credit card services in other banks require mandatory charges.

Therefore, if the credit card overpayment is small, the cardholder can directly swipe the card to shop or deduct the later bill.

Extended data:

Inquiry method of credit card overpayment

1. amount inquiry: by inquiring about the credit card account, you can inquire about the overpayment of the refund to the credit card. The specific method is: the available amount in the account is subtracted from the total amount of the credit card, and the rest is the overpaid amount.

2. Inquiry method: You can log in to mobile banking or online banking to inquire about credit card overpayment, or you can call customer service. When the repayment amount of a credit card is greater than the amount owed, the excess will be displayed in negative numbers, which is called overpayment.

Baidu encyclopedia-overpay