1, the current payable amount of credit card (RMB) is negative, indicating that the bank paid more money before. This situation is called credit card overpayment. This money can increase the limit of available credit cards, or be directly used for consumer repayment.
2. The so-called 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. For example, if 900 yuan needs to be repaid in this period, the actual repayment is 1 1,000 yuan, and the extra 1 1,000 yuan is the overpayment. Some cardholders will mistakenly deposit money into their credit cards (credit cards don't need to deposit money, just spend it first and then repay it). If the money is deposited in the credit card in advance and there is no consumption, this part of the money can't be taken out. If you want to withdraw cash, you will charge a high handling fee and try to avoid it. 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.