The overpaid funds when repaying a credit card are called overpayments. Overpayments are not interest-bearing, and a certain amount of fees are required to withdraw the overpayments. This amount will increase the available limit on your credit card, which you can directly use to offset charges. If you make a purchase when there is an overpayment on your credit card, the overpayment will be deducted first and then the credit limit. If the overpayment is greater than the consumption amount, there will be no overdraft and no repayment is required. If you need to claim the overpayment, you can contact the card-issuing bank. If it is a Ping An Credit Card, you can log in to the Ping An Pocket Bank APP - Credit Cards - More - Card Management - Overpayment, and follow the prompts on the page to claim it back.