Overpayment refers to the excessive payment of funds by credit card customers or the funds deposited in credit card accounts, and a certain fee must be paid to take out the overpayment. This money can increase the limit of available credit cards, or be directly used for consumer repayment.

If the credit card has overpayment, the overpayment shall be deducted first, and then the credit line shall be deducted. If the overpayment is greater than the consumption amount, there will be no overdraft. Overpayment is interest-free.

In fact, banks do not encourage cardholders to recharge their credit cards, because credit cards use the mode of spending first and then repaying. Therefore, the bank stipulates that a certain handling fee should be charged for the overpayment. At the same time, the handling fee for cash withdrawal of credit card overpayment varies from bank to bank.

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The advantages of credit cards are as follows:

1. You can spend money without overdraft, and you can enjoy an interest-free period of 20-56 days. You don't charge any fees for repayment on time (most banks will charge 0.5% interest on the day of withdrawal, and there is a 2% handling fee, but ICBC only charges interest).

2. It is not only safe and convenient to swipe your card when shopping, but also a bonus gift.

3. Special merchants who hold cards in banks can enjoy preferential treatment.

4. National access is barrier-free, and you can withdraw money or swipe your card at ATMs and POS machines with UnionPay logo.

5. Credit card spending, extracting existing points from some credit cards, various discounts and lottery activities throughout the year, so that you can always have surprises as long as you use the card.

6. Unique supplementary card function, suitable for husband and wife to jointly manage money or master children's financial expenditure.

7. The free choice of one card and two currencies is popular all over the world, and consumption abroad can repay in RMB.

8.400 telephone or 5-digit short number prefixed with "9" provides 24-hour service, and loss reporting takes effect immediately, with zero risk of card loss.

9. Use the third-party platform for business cooperation and provide preferential services for cardholders.

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