You can withdraw it at any time. 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.

1.

The overpayment is accumulated on the credit limit, and this part of the credit will be occupied first the next time you consume;

2.

When withdrawing overpayment, you may need to pay a handling fee; when withdrawing overpayment from China Merchants Credit Card, you need to pay a handling fee, usually 1%/transaction, with a minimum of 10 yuan/transaction. Some banks do not require handling fees.