After the credit card of China Merchants Bank paid back the money, it also paid back dozens of dollars, indicating that the withdrawal amount is only that much money, because the repayment needs to take effect the next day, and it is not recommended to take out dozens of dollars that have been paid back. The cash that has been paid back is called overpayment.

① This sum can increase the available credit card limit or be directly used for consumer repayment;

② 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;

③ For example, 900 yuan needs to be repaid in this period, and the actual repayment is 1 1,000 yuan, and the extra 1 1,000 yuan is the overpaid part;

If you deposit money in your credit card in advance without spending it, you can't get this part of the money out. If you want to take it, you will charge a high handling fee and try to avoid it.

⑤ Pay more interest-free.