you deposit the extra funds into your credit card, and if you want to withdraw them, you will be charged a handling fee for withdrawing them from your credit card.

handling fee and interest are required for cash withdrawal: the handling fee for cash withdrawal is 3% of the cash withdrawal amount, with a minimum of 3RMB or 3USD. The daily cash withdrawal does not exceed 2RMB in China and 1USD abroad. Interest is .5 ‰ per day, and there is no interest-free repayment period in cash.