When there is an overpayment in a credit card, the overpayment portion is generally occupied first, and the credit limit is occupied only after it is used up.

When the credit card repayment amount is greater than the amount owed, the excess will be displayed as a negative number, which is the so-called overpayment.

1. Overpayment is accumulated on the credit limit, and this part of the credit will be occupied first the next time you consume;

2. When you withdraw the overpayment, payment procedures may be required Fees: For overpayment withdrawals with China Merchants Credit Card, you need to pay a handling fee, usually 1/transaction, with a minimum of 10 yuan/transaction. Some banks do not require handling fees.