If you accidentally deposit money into a credit card, you can withdraw it, but a handling fee will be charged. Users can also use it for free through the following methods.

1. Directly swipe the card for consumption. Overflow payment by credit card will be charged, but swipe the card for consumption, but there will be no charge. Therefore, if you accidentally save more overflow payment, instead of thinking about how to withdraw it, you might as well just swipe the card to spend.

2. Transfer money to the debit card of your counterpart. If you don't want to withdraw cash, you might as well transfer the overflow payment to your bank's debit card and then use the debit card to withdraw cash. However, the cardholder should first have a debit card from the bank that issued the credit card. Secondly, they should compare whether the overflow payment transfer fee is lower than the withdrawal fee. If the fees for both methods are the same, there is no need to transfer money.

3. When canceling the card and withdrawing the balance, pay attention to the order of withdrawing the balance and canceling the card. Taking China CITIC Bank as an example, if you withdraw the balance before canceling the card, you should also be charged the current handling fee. The bank's charging standard is 2, with a minimum of 20 yuan per transaction and a maximum withdrawal of 2,000 yuan for a single transaction. If you cancel the card first and transfer the balance to your fellow savings card account, you do not need a handling fee, but you must wait 3 working days for it to arrive.