Of course. The overpayment by the credit card user or the debt deposited in the credit card is the so-called overpayment, which means that the user overpays. For example, 500 yuan needs to be repaid in this period, but the actual repayment amount is 600 yuan, so the extra 100 yuan means overpayment. This part of the funds can be taken out for use, or directly used for consumption, which can increase the available credit cards. However, if you want to withdraw the overpaid part, you need to pay the corresponding handling fee. It should be noted that overpayment will not generate any interest.

Do I need to pay back the credit card overflow deposit when I take it out?

No need. Credit card overflow means that the user deposits cash into the credit card, which is not within the credit limit of the credit card. Taking it out is equivalent to the user taking the money himself without repayment. In addition, some banks will charge a certain withdrawal fee for credit card overflow deposits, so it is not cost-effective for users to take out credit card overflow deposits.