No, the extra money deposited by credit card users during repayment or the debt stored in the credit card is called overpayment. The extra money deposited in the credit card can be withdrawn, but it requires procedures. fee. For example, if you need to repay 500 yuan this period, and the actual repayment is 600 yuan, the extra 100 yuan is the overpayment. This money can be withdrawn, or used directly for consumption, or the available limit of the credit card can be increased. However, if you want to withdraw it, you need to pay the corresponding handling fee and there is no interest.

2.

If there is an overpayment on the credit card, the limit of the credit card will be increased, that is, this part of the money will be deducted first when making consumption, and after the overpayment is deducted, Then deduct the credit limit. When the consumption level is less than the overpayment, the credit card will not be overdrawn.