Conclusion: The excess amount deposited in the credit card, that is, the overpayment, can be withdrawn and used, but a certain handling fee needs to be paid. Here are detailed instructions on how to withdraw your overpayment and related fees:

When you save more money to pay off your credit card, this portion is called an overpayment. For example, if your current repayment amount is 500 yuan, but you actually paid 600 yuan, then the excess amount is the overpayment. Overpayments can be processed in a variety of ways, including withdrawing from an ATM, bank counter or mobile app. However, no matter which method is used, handling fees are usually involved when withdrawing, and the overpayment itself does not accrue interest.

It should be noted that banks have different strategies for handling overpayments. Overpayments are additional funds deposited into a credit card account that are usually used first to offset your next bill or to increase your available credit limit. If you want to withdraw cash directly, you can, but you will need to pay an additional fee, and this operation is not common because banks usually encourage consumers to use their credit card limits for consumption rather than top-up the credit card.

Each bank may have different regulations on handling fees for overpayment withdrawals, so it is best to consult the bank to understand the fees before specific operations. In general, although there is an option to withdraw the overpayment, considering the fees and bank usage recommendations, it may be wise to use it to increase your credit limit or consumption. Unless there are special needs, it may not be cost-effective to withdraw it directly.