A negative number indicates that there is an overpayment and no repayment is required in this period.

When the amount deposited into a credit card exceeds all outstanding balances in the account, the excess amount is called "overpayment" and will be automatically deducted from subsequent credit card purchases.

Cardholders can also call our credit card service hotline to receive the overpayment by transferring funds to the debit card in their name. The account name and ID number of the debit card used must be consistent with that of the credit card. Overpayments in US dollars can only be claimed with the China Merchants Bank All-in-One Card.

Ways to get it back: Call the credit card service hotline, verify your identity, and press 9 to be transferred to a customer service specialist.

Overpayment recovery handling fee: 0.5 of the amount recovered, with a minimum of RMB 5 or US$1 and a maximum of RMB 50 or US$10.

Note: If the overpayment is withdrawn through cash advance channels, a cash advance fee will be charged.