1. Credit card consumption: Credit card consumption is the simplest way to take out the overpayment, and it is very convenient to just swipe your card for shopping.
2. Transfer: For credit card overpayment, you can transfer the money like a savings card. You can transfer this money to your savings card through mobile banking or online banking. Another way is to go directly to the local bank counter and ask the bank staff to transfer the excess money on this credit card directly to their savings card.
3. Cash withdrawal: local peers are basically free of handling fees.