If you overpay your credit card, banks generally will not refund the amount. If you want to withdraw money, you can only withdraw cash by credit card. The bank will charge a cash advance fee to collect interest. The cash advance fee of each bank is also different.

Generally speaking, when a credit card is repaid, the excess will be retained in the credit card as an overpayment, which can be used by swiping the card normally or used for online payment, and the bank will not charge interest. If there is a balance on the credit card, the overpayment will be automatically offset against the balance on the credit card.

Extended information:

1. How to get a refund if the credit card payment is overdue?

1. If the credit card repayment is heavy and the overpayment funds turn into overpayment, the user can directly withdraw the overpayment.

2. If the repayment funds have not turned into overpayments, then the user needs to retain the relevant evidence of the two repayments. After submitting the evidence to the bank, it proves that there is a repeated deduction. After the bank verifies that it is correct, , usually the repayment funds will be returned via the original route within a few working days.

3. Therefore, the above two methods can be used to solve the problem of heavy credit card repayments. Although overpayments can be withdrawn directly, some banks require payment of handling fees for overpayment withdrawals.

2. The specific credit card repayment deadlines and penalties are as follows:

1. If the credit card is paid off in full, no fees will be incurred;

2. The credit card is still being repaid. There is generally a three-day grace period after the payment date, and repayment within the grace period is deemed to be repayment on time;

3. If the minimum repayment amount is paid, daily interest needs to be calculated, starting from the date of consumption accounting;

4. If the repayment exceeds the grace period or the repayment amount is less than the minimum repayment amount stipulated by the bank, it is considered overdue, and interest will be calculated from the accounting date, and the unpaid portion of the minimum repayment amount will also be calculated. A late payment fee of 5% will be charged on a monthly basis;

5. The specific daily interest rate may be different for various credit cards.

3. Bank credit card minimum repayment calculation rules:

The bank’s minimum repayment calculation rule is: 10 for your consumption and 10 for cash withdrawals. All fees (that is, late fees, over-limit fees, etc.) are the unpaid portion of the minimum repayment amount on the previous bill, so the minimum repayment amount is not a fixed value and depends on the arrears;