1. I have bound an account with agreed repayment. The agreed repayment account is an account that automatically repays when due. When this account was bound, the money paid in advance had not been recorded. For the bank, if there is no repayment on the repayment date, it will automatically deduct the money from the agreed repayment account.

2. You can contact customer service to explain the situation, and the customer service will refund you the overcharged fee.

There is no other overdraft after the credit card bill, and the extra money is overpaid. This extra money can be withdrawn from the bank without any handling fee. Suppose there is another overdraft after the billing date, the money will be automatically deducted.