First of all, you need to know what the credit limit of your card is. You can check it by sending a text message on your mobile phone and edit "313#The last 4 digits of your credit card number" or "CCED# Send the last 4 digits of the card number to 95533. For example, the last 4 digits of your card number are 1234, then edit "313#1234" or "CCED#1234" and send it to 95533. A text message will be sent to you shortly.

For example, the limit issued to you by CCB on your card is 30,000 yuan, and now it is found that the available limit is 30,572 yuan, which means that there is no money owed on the card, and there is an extra 572 yuan. excess deposits. You may have had some extra money sitting on your card after paying off your car loan in one lump sum. If you find out that there is still this money after he withdraws 3,000 yuan, it means that there was an extra 3,572 yuan on the card before. But if your credit limit is 40,000 yuan, and you still have a credit limit of 30,572 yuan, it means that you are already overdrafting, and it will depend on how much you have to pay back when the bill is settled.

Also, check the credit card balance. If it is the amount of overpayment, it means there is no money owed on the card, and there is an extra 7,571 yuan.

Finally, I would like to remind you that it is best not to give your credit card to anyone else, even if it is a relative. It would be better for you to use the card to withdraw cash and lend it to him than to give him the card and let him use it as he pleases. This can easily lead to economic disputes. And after all, the card is in your own name. If he doesn't pay it back, the bank will still just watch you to pay it back.