2. However, in case of overpayment in the cardholder's credit card account (fund overpayment or refund after offsetting consumption), if the cardholder wants to recover the overpayment, he can apply to remit the overpayment to the designated bank account in his name (USD can only be recovered from his credit card 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). The cardholder may not receive the extra money, which will be used to deduct the future card amount. Some banks do not pay deposit interest on the overpaid amount in the cardholder's credit card account.
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