Overflow deposit, also known as credit card self-owned deposit, refers to the extra money paid by credit card customers when they repay or the "extra" money saved by credit cards without overdraft. Simply put, it is to deposit money into a credit card, and part of the money that exceeds the credit card limit is called overflow deposit. Most banks charge fees ranging from 0.3% to 3% for withdrawing excess deposits, with the lowest fees ranging from 1 yuan 2 yuan to 10 yuan 30 yuan. Only the credit card of Guangfa Bank implements the free service of withdrawing excess deposits.

The content of this article comes from People's Republic of China (PRC) Financial Code: Applied Edition published by China Law Publishing House.