credit card overpayment can be directly transferred to a savings card only by having a savings card owned by the same bank. However, it should be noted that transferring money from a credit card to a savings card is equivalent to withdrawing cash from a credit card, and the bank will charge a handling fee according to the standard for withdrawing cash from overpayment. For the credit card overpayment, it is suggested to make direct credit card consumption or credit card repayment deduction.

Overpayment refers to the funds overpaid by credit card customers or the funds deposited in credit card accounts, and a certain amount of fees are required to take out the overpayment. This sum can increase the available credit card limit, or be directly used for consumer repayment. If there is overpayment in the credit card, the overpayment will be deducted first, and then the credit line will be deducted. If the overpayment is greater than the consumption amount, there will be no overdraft.

In fact, banks do not encourage cardholders to charge money into credit cards, because credit cards use the mode of spending first and then repaying. Therefore, the bank stipulates that the overpayment is subject to a certain handling fee. At the same time, the handling fee for cash withdrawal of credit card overpayment is different from bank to bank.

Regarding the handling fee for credit card holders to withdraw "overpayment", the charging bank said that although credit card holders took their own money, they occupied the relevant resources of the bank. Because credit cards are different from ordinary debit cards in handling deposit and withdrawal accounts, and credit cards are used to encourage customers to spend, not to let cardholders use them as savings accounts, so the charges are reasonable.