It can be transferred, but it is not recommended because a handling fee will be charged when withdrawing it.

Take the overpayment fee of China Merchants Bank as an example:

When the amount deposited into the credit card exceeds all the outstanding balances in the account, the excess amount is called "overpayment" , will be automatically deducted from subsequent credit card purchases.

Cardholders can also call our credit card service hotline to claim back the overpayment by transferring funds to their debit card. The account name and ID number of the debit card used must be consistent with that of the credit card. Overpayments in US dollars can only be claimed with the China Merchants Bank All-in-One Card.

How to get it back: Call the credit card service hotline, verify your identity, and press 9 to be transferred to a customer service specialist. ?

Overpayment recovery handling fee: 0.5 of the amount recovered, with a minimum of RMB 5 or US$1 and a maximum of RMB 50 or US$10.

Extended information:

Introduction to overpayment

Overpayment refers to the funds overpaid by credit card customers when repaying or the funds deposited in the credit card account , a certain amount of fees will be charged for withdrawing the excess payment. This amount can increase the available limit of your credit card or be used directly for consumption repayment.

If there is an overpayment on the credit card, the overpayment will be deducted first and then the credit limit. If the overpayment is greater than the consumption amount, there will be no overdraft. No interest is accrued on overpayment.

Reference materials:

China Merchants Bank - Overpayment Claim

Baidu Encyclopedia - Overpayment