For example, if there is overpayment in your credit card account (overpayment of funds or refund after offsetting consumption), you can apply to remit the overpayment to a designated bank account in your name (USD can only be recovered from my China Merchants Bank account). You need to pay a certain handling fee to get back the overpaid part (the business card can get back its own card for free). You may not get back the overpaid card money, and the card money will be used to deduct the amount of your card in the future. We won't pay deposit interest for the overpaid amount in your credit card account.

1. If the transaction date of return and fee waiver is before the billing date: the returned money will be calculated as repayment according to a certain proportion, please refer to the "repayment amount in this period" found. 2. If the transaction date of refund and fee reduction is later than the bill date: the refund does not count as repayment to offset the current bill, you still need to repay according to the original bill amount of the current period. (If the refund is transferred to a credit card, the available amount will increase relatively. )