When the amount deposited in the credit card exceeds all debts under the account, the extra money is called "overpayment" and subsequent credit card consumption will be automatically deducted. Cardholders can also call our credit card service hotline and transfer money to the debit card in my name to collect the overpayment. The account name and ID number of the debit card used must be the same as the account name and ID number of the credit card, and only China Merchants Bank Card is accepted for the overpayment of USD. How to get it back: call the credit card service hotline, verify your identity, and press 9 to transfer to the customer service specialist. Handling fee for recovering the overpayment: 0.5% of the recovered amount, with the lowest 5 yuan RMB or USD 65,438+0 and the highest 50 yuan RMB or USD 65,438+00. Note: If the overpaid part is withdrawn through the cash advance channel, the cash advance fee will be charged.