Credit card is a personal financial product of "consumption before repayment". In order to meet your temporary high consumption demand, you can deposit money in a credit card, but the deposit in a credit card does not count as interest. If you withdraw cash directly, you need to pay a handling fee.

For example, you used a credit card to spend money in 500 yuan and paid it back to 600 yuan before the repayment date, or your credit card has no debt and deposited 100 yuan. This extra 100 yuan is called overpayment. Putting it in a credit card not only has no interest, but also requires a handling fee (if it is an ICBC credit card, there is no handling fee for local withdrawal).

If you want to use the excess repayment to offset the repayment, it should be noted that due to the system settings, the excess deposit has been deducted in advance when generating the new bill amount, and the cardholder needs to repay the final bill amount, and the minimum repayment amount is calculated from the final repayment amount, which will not be deducted because of the deposit in the previous period.