Hello, if the funds are in our credit card, there is no interest. When the amount deposited into the credit card exceeds all the outstanding balances in the account, the excess amount is called "overpayment" , will be automatically deducted from subsequent credit card purchases.

Cardholders can also call our credit card service hotline to claim back the overpayment by transferring funds to their debit card. The account name and ID number of the debit card used must be consistent with that of the credit card. Overpayments in US dollars can only be claimed with the China Merchants Bank All-in-One Card.

How to get it back: Call the credit card service hotline, verify your identity, and press 9 to be transferred to a customer service specialist.

Overpayment recovery handling fee: 0.5 of the amount recovered, with a minimum of RMB 5 or US$1 and a maximum of RMB 50 or US$10.

Note: If the overpayment is withdrawn through cash advance channels, a cash advance fee will be charged.