You can withdraw excess money from your CITIC Bank credit card, but a certain overpayment will be charged.

There is no handling fee for transferring CITIC overpayment to our bank's debit card. Handling fees for transferring overpayment to other bank's debit card will be charged according to the following standards:

1. The transfer amount is RMB 10,000. For orders below RMB 10,000 (including RMB 10,000), each transaction will be charged RMB 5.5.

2. The transfer amount is RMB 10,000-100,000 (including RMB 100,000), and each transaction is charged RMB 10.5.

3. For transfer amounts of more than 100,000 yuan, each transaction fee is RMB 15.5. Each account is limited to 5 times per month, and the single withdrawal limit is 500,000 yuan.

Note: If you repay too much, the money will still be in the credit card, but there will be no interest.

In addition, the extra money can also be used as available credit, and there is no need to repay this part of the money.