1. It is suggested to leave the money in the credit card. Although there is no interest, it will automatically deduct the amount payable for the next bill.

2. The extra money in the credit card belongs to overpayment. Interest is not charged for the overpayment, but the handling fee is still charged at 1% of the cash withdrawal amount, starting from 10 yuan.

3. You can also call the credit card customer service hotline and ask the customer service to transfer the money to the debit card of your peers. Peer transfer is free.