You can take it out or not and put it in the card for consumption. This money can increase the limit of available credit cards, or be directly used for consumer repayment. If the credit card has overpayment, the overpayment shall be deducted first, and then the credit line shall be deducted. If the overpayment is greater than the consumption amount, there will be no overdraft. Overpayment is interest-free.

Recovery of overpayment (overpayment)

1, and the overpayment of online banking channels is collected free of charge;

2. The fees charged for overcharged funds from other channels are as follows:

The transfer amount (converted into RMB) is less than RMB 10000 yuan (inclusive), and each charge is RMB 5.5 yuan;

Transfer amount (converted into RMB) 1 0,000-10,000 yuan (inclusive), and each charge is 1.5 yuan;

The transfer amount (converted into RMB) is more than 654.38+10,000 yuan, and the charge for each transfer is 654.38+05.5 yuan.

Extended data:

According to Article 5 of CITIC Credit Card (Personal Card) Contract (New Edition):

Unless otherwise agreed, Party A shall not pay interest on the overpayments in the credit card accounts of Party B and its affiliated cardholders. If Party B and its supplementary cardholders want to recover all or part of the overpaid funds in their credit cards and transfer them to their personal settlement accounts of China CITIC Bank or other banks, they shall submit a written application to Party A and pay the overpaid recovery fee as agreed.

The refund fee for overpayment of foreign currency shall be calculated in RMB, with the amount converted into RMB from the bookkeeping base as the base, and the currency conversion exchange rate shall be calculated according to the bank selling price on the transfer day.

Baidu encyclopedia-overpay

CITIC Bank-CITIC Credit Card (Personal Card) Contract (New Edition)