1. Log in to China Guangfa Bank's mobile banking or online banking.
2. Find the function module related to the credit card, and find the option of querying the balance or repayment.
3. On the balance inquiry or repayment page, the current balance and available credit line of the credit card will be displayed to confirm whether there is overpayment.
4. Find the function such as "Transfer" or "Transfer of Funds" and select another account to which the overpayment will be transferred.
5. Enter relevant information of the target account, including account name, account number and bank.