You can take it out or keep it in the card to use as a deduction for your next consumption.

When the amount deposited into a credit card exceeds all outstanding balances in the account, the excess amount is called "overpayment" and will be automatically deducted from subsequent credit card purchases.

Cardholders can also call China Merchants Bank’s credit card service hotline to receive the overpayment by transferring funds to their debit card. The account name and ID number of the debit card used must be consistent with that of the credit card. Overpayments in US dollars can only be claimed with the China Merchants Bank All-in-One Card.

Extended information:

How to claim overpayment:

Call the credit card service hotline, verify your identity, and press 9 to be transferred to a customer service specialist.

Overpayment recovery handling fee:

0.5% of the amount recovered, with a minimum of RMB 5 or US$1 and a maximum of RMB 50 or US$10.

Introduction to overpayment:

Overpayment refers to the funds that credit card customers overpay when repaying or the funds stored in the credit card account. A certain amount must be paid to withdraw the overpayment. Amount of fees. This amount can increase the available limit of your credit card or be used directly for consumption repayment. If there is an overpayment on the credit card, the overpayment will be deducted first and then the credit limit. If the overpayment is greater than the consumption amount, there will be no overdraft. No interest is accrued on overpayment.

In fact, banks do not encourage cardholders to charge money to their credit cards because credit cards adopt a consumption-first-repayment model. Therefore, the bank stipulates that a certain handling fee will be charged for overpayment withdrawal. At the same time, the handling fees for cash withdrawals from credit card overpayments vary from bank to bank.

Reference materials:

China Merchants Bank - Overpayment Claim

Baidu Encyclopedia - Overpayment