What if the credit card is overpaid?
1 If the amount is not large, you can put it in the credit card limit and spend the overpaid amount first next time;
② The overpaid part can be directly transferred to the bank card in my name at the counter or designated self-service equipment;
The cardholder can also take out the excess part of the credit card as cash. General credit card withdrawals will generate handling fees and interest.
You can also directly use the overflow deposit as the next repayment of the credit card.
It is worth noting that if the credit card overpayment is not handled for a long time, it will form bad debts, which will affect the cardholder's future card use and loan application.
What do you mean the overpayment is negative?
Overpayment is negative, which means that the customer deposits the funds into the credit card account, or overpays when repaying.
The above are three ways to deal with overpayment in credit cards, and cardholders can choose the way that suits them. Among them, overpayment refers to the excess funds paid by the cardholder after repaying all the repayment, or the deposits deposited in the credit card for various reasons.