Credit card overpayment refers to the funds that credit card customers overpay when repaying or the funds deposited in the credit card account. A certain amount of fees must be paid to withdraw the overpayment. When the credit card repayment amount is greater than the amount owed, the excess will be displayed as a negative number, which is the so-called overpayment. Overpayments are credit card deposits, and banks do not charge interest, which is completely different from debit cards.

According to Article 7 of the "Regulations on the Supervision and Administration of Credit Card Business of Commercial Banks": A credit card refers to a credit card that records cardholder account information, has bank credit lines and overdraft functions, and provides cardholders with relevant banking services. All types of media.

Credit cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on Relevant Credit Card Regulations") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, transfer settlement , cash deposit and withdrawal and other full or partial functions of the electronic payment card.

On December 1, 2017, the "English Translation and Writing Standards in the Public Service Field" was officially implemented, stipulating that the standard English name of credit cards is CreditCard.