Hello, this card friend!

The fee described by the card friend in the question is the balance on your account after you have paid off the current credit card repayments, so-called The excess deposit amount will be displayed as a negative item, which is what the industry calls overpayment. Of course, cardholders can withdraw this fee, which is the overpayment withdrawal or overpayment reflection.

This operation is different from credit card cash advance transactions. No interest or handling fees will be charged, so you can rest assured.

However, you can use the overpayment in your Hua Xia Bank credit card to offset the next credit card balance at any time without withdrawing it. Of course, we do not rule out the possibility that you can withdraw this amount when you need cash.