Paying too much during credit card repayment is called overpayment. Overpayment does not include deposit interest. You do not need to claim back the overpayment, and the amount will increase the available limit of your credit card to offset subsequent consumption. If you want to collect the excess payment, you can call Ping An Bank's 24-hour customer service hotline 95511-2 (Platinum VIP hotline 4008895511), and the customer service specialist will remit the money to the account under the principal cardholder's name.

The handling fee for claiming overpayment from Ping An Bank's credit card is 5‰ of the transferred amount, with a minimum of RMB 5 or US$1 and a maximum of RMB 50 or US$7.

If the overpayment is withdrawn through an ATM machine or bank branch counter, it will be regarded as a cash advance transaction and a cash advance fee will be payable.