There is no charge for credit card deposit, but it will lead to credit card overflow. The deposit is interest-free, but it will take oil to take out the overflow.

Each bank may be different in the withdrawal of overpayment. Even in the same bank, because of the different types of cards, the charging standards for handling fees may be different. For example, the credit cards of ICBC, China Construction Bank and Bank of Communications do not need to pay the handling fee for overpayment in local banks. However, if cardholders withdraw cash in different places or across banks, the charging standards of each bank are different, and some banks have restrictions on different credit card types.

The handling fee for remote withdrawal or transfer is generally 0.5%~ 1% of the transaction amount, which also means that if you want to withdraw 100 yuan in cash, you may have to pay 100 yuan.