You can pay more by credit card. The excess is called excess repayment, which is equivalent to depositing a sum of money in a credit card. The deposit of this money will not charge any fees, nor will it generate interest, so it can be used for deduction in the next repayment. If you want to cash out the excess, you will be charged a certain fee, so generally no one will apply to deposit the funds into the credit card through the bank counter or online.

1. Counter handling. Users need to bring their personal ID card to the bank, explain the purpose to the staff and fill out the credit card application form according to the requirements of the staff.

2. Online processing. Users can open the bank official website where they want to apply for a credit card, apply online and fill in relevant information.