You can take it out, but you need to pay some handling fees.

After recharging a credit card, there may be an "over-deposit" on the credit card, which is equal to the total deposit amount minus the amount owed in the issued bill. Most card-issuing banks will treat cardholders' withdrawals from their own deposits as overdrafts and charge a certain fee.

Most banks charge handling fees ranging from 0.3% to 3% for withdrawing excess deposits, and the minimum charging standards also range from a minimum of 1 yuan or 2 yuan to 10 yuan or 30 yuan. Currently, only Guangfa Bank credit cards offer free withdrawal of excess deposits.

Regarding the credit card cash withdrawal method, cardholders only need to log in to the bank’s credit card online banking, select the cash advance function, and then follow the prompts. The cash borrowed from the credit card can be directly transferred to the personal debit card account. , the operation is relatively simple. Telephone cash advance means calling the bank's credit card customer service hotline and following the voice prompts to transfer the cash advance into your personal debit card account.

Extended information

1. Credit cards are not debit cards. Do not deposit money into credit cards. There is not much benefit in doing so except for a higher limit when swiping the card.

2. Even if you deposit money into a credit card before the final repayment date, it does not mean that there will be as much "excess deposit" as you deposit.

3. "Excess deposits" will not generate any interest. In other words, there is no benefit to "recharging" your credit card in advance and then spending.

4. Do not withdraw the "overflow deposit" easily. Generally, you only need to clear the account before canceling the card. In other cases, you can use the "overflow deposit" by directly swiping the card for consumption.

5. If the cardholder wants to increase a certain credit limit, he or she can apply for a temporary limit from the bank customer service center. There is no need to rely on "excess deposits" to increase spending power.

Baidu Encyclopedia: Overflow deposit