The meaning of credit card overflow payment is actually very simple, that is, the cardholder saves money without using the credit limit of the credit card, or uses part of the credit limit, but has more time to repay. In theory, if you save more money, you should have deposit interest just like a bank card. However, the opposite is true with a credit card, which has to pay a processing fee when it overflows to pay cash. For general bank credit card products, in the case of overflow payment, the handling fee required for cash withdrawal at an ATM machine is the same as that charged when there is no credit card overflow payment (see Bank of Communications credit card cash withdrawal fee). However, if you go to the counter to withdraw cash and apply as a credit card, the handling fee will be very low. However, China Construction Bank has canceled the local credit card overpayment cash withdrawal terms.