An overpayment of 1,845 yuan on a Huasha Bank credit card means there is an overpayment of 1,845 yuan on the credit card.

The so-called overpayment refers to the funds that credit card customers overpay when repaying or the funds stored in the credit card account. A certain amount of fees must be paid to withdraw the overpayment. This amount can increase the available limit of your credit card or be used directly for consumption repayment. If there is an overpayment on the 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. For example, if you need to repay 900 yuan in this period, and the actual repayment is 1,000 yuan, the extra 100 yuan is the overpayment. Some cardholders mistakenly deposit money into their credit cards (you don’t need to deposit money into a credit card, you just need to spend it first and pay it back later). If you deposit money into your credit card in advance without spending money, you will not be able to withdraw the money. Yes, if you want to withdraw it, you will be charged a high handling fee, so you should try to avoid it. No interest is accrued on overpayment.

In fact, banks do not encourage cardholders to charge money to 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.