The excess money repaid in credit card repayment is also called "overpayment". The so-called overpayment refers to the part where the cardholder's available amount exceeds his credit limit.

The credit housekeeper reminds us that interest is not calculated for overpayment, and a certain amount of fees will be paid to take out overpayment, which should be paid special attention to!

in addition, when the cardholder makes consumption, if there is overpayment in the credit card, the overpayment will be deducted first, and then the credit line will be deducted. If the overpayment is greater than the consumption amount, there will be no overdraft.

for example, what kind of situation is considered as overpayment?

Miss Liu's bill last month was 9 yuan, and she repaid 1 yuan with extra 1 yuan. If Miss Liu doesn't spend money next month, then this 1 yuan is an overpayment. If she wants to withdraw cash, the bank will charge relevant fees.

However, if Ms. Liu has another consumption of several hundred yuan this month, the 1 yuan saved will automatically offset the bill. At this time, if Ms. Liu withdraws cash again, it will be regarded as an overdraft and a handling fee will be charged.