When the repayment amount of a credit card is greater than the amount owed, the excess will be displayed in negative numbers, which is called overpayment.

1. The overpaid part is accumulated in the credit line, and the next consumption will be given priority;

2. When withdrawing the overpaid part, you may need to pay the formalities fee; Overpayment of China Merchants Credit Card requires a handling fee, generally 1%/ transaction, and the lowest 10 yuan/transaction. Some banks don't need handling fees.