It can be taken out.

The extra money deposited by credit card users during repayment or the amount owed in the credit card is called overpayment. As the name suggests, it is an overpayment. For example, if you need to repay 500 yuan this period, and the actual repayment is 600 yuan, the extra 100 yuan is the overpayment. This part of the money can be withdrawn, or used directly for consumption, or the available limit of the credit card can be increased, but if you want to withdraw it, you need to pay the corresponding handling fee. There is no interest on overpayment.

Extended information

Credit card repayment methods

1. In the card issuing bank

This method includes: card issuing bank counter, ATM, online Bank, automatic transfer, telephone banking repayment, etc. After repayment, the credit card limit will be restored immediately, and the payment will generally be credited to the account after the system processes it on the same day.

2. Transfer/remittance repayment

It is mainly divided into two methods: inter-bank in the same city and inter-bank in different places. Regardless of the method of transfer or remittance, the remittance bank will charge a certain fee. At the same time, the time it takes for the money to arrive and the convenience of repayment are not as good as intra-peer repayment, online repayment, convenience store repayment and other methods.

3. Online repayment

The more common domestic online platforms include: UnionPay Online, Kuaiqian, Shengfutong, Alipay, Tenpay, etc. Depending on the platform and bank you choose, the charging standards and specific payment arrival time will be different.

Baidu Encyclopedia - Overpayment

Baidu Encyclopedia - Credit Card