(China Merchants Bank) has no impact. When there is an overpayment (overpayment or refund after offsetting fees) on your credit card account, if you want to get the overpayment back, you can apply to have the overpayment remitted back to the designated bank account in your name (USD) Only the personal China Merchants Bank account can be retrieved). A certain handling fee is required to claim the overpayment (it is free to claim your own bank card for commercial cards). You may also not receive back the overpaid card amount, which will be used to offset your future card usage. Our bank will not pay deposit interest for the overpayment amount on your credit card account.