Cardholders of China Merchants Bank credit cards need to understand the concept of overpayment-the extra money when the amount deposited in China Merchants Bank credit card exceeds all debts under the credit card account. Generally speaking, this fee will be automatically deducted from the subsequent credit card consumption.

Of course, according to the description in your question, you can choose to get the money back-call China Merchants Bank's credit card customer service line and transfer the fee to my debit card account.

But you should know that you need to pay a handling fee to China Merchants Bank, which is 0.5% of the recovered amount, with the lowest 5 yuan RMB or 1 USD and the highest 50 yuan RMB or1USD.