1. The extra money saved in the credit card can be withdrawn.

2. The excess money deposited in the credit card is called overflow deposit, also known as the credit card's own deposit. It refers to the "excess" money deposited by the cardholder when the credit card is not overdrafted.

3. Credit card "over-deposit" may occur after recharging the credit card. The amount is equal to the total deposit amount minus the amount owed in the bill issued. Most card-issuing banks will treat cardholders' withdrawals from their own deposits as overdrafts and charge a certain fee.

Extended information:

Notes on overpayment withdrawals

1. Some cardholders mistakenly deposit money into their credit cards (there is no need to deposit money into credit cards, You only need to consume first and repay later). If you deposit money into the credit card in advance without consumption, then this part of the money cannot be withdrawn. If you want to withdraw, a high handling fee will be charged, so Should be avoided as much as possible. No interest is accrued on overpayment.

2. Currently, customers holding credit cards from ICBC, China Construction Bank, and Bank of Communications do not need to pay handling fees when making overpayments from local banks; however, for some credit cards from Agricultural Bank of China and Bank of China, when making overpayments from local banks, they do not have to pay handling fees. No handling fee.

3. In fact, banks do not encourage cardholders to recharge their credit cards because credit cards adopt a consumption-first-repayment model. Therefore, the bank stipulates that a certain handling fee will be charged for overpayment withdrawal. At the same time, the handling fees for cash withdrawals from credit card overpayments vary from bank to bank.

Baidu Encyclopedia - Overflow Deposit

Baidu Encyclopedia - Overflow Payment Withdrawal