Overpayment by credit card is not included in the bill. Overpayment by credit card is an overpayment, which will only increase the user's available quota and will not directly deduct the arrears after the next bill comes out. For example, if the credit card limit is 30,000 yuan and the previous bill is overpaid by 100 yuan, the available credit card limit is 30 100 yuan.

In addition, there is no interest for the overpaid part to be deposited in the credit card, so it is best for the user to repay the credit card in full.