It can be withdrawn, but some banks will charge a handling fee.
Take China Merchants Bank as an example:
When the amount deposited into the credit card exceeds all the outstanding balances in the account, the excess amount is called "overpayment" and will be automatically deducted Subsequent credit card purchases.
Cardholders can also call China Merchants Bank’s credit card service hotline to receive the overpayment by transferring funds to their debit card. The account name and ID number of the debit card used must be consistent with that of the credit card. Overpayments in US dollars can only be claimed with the China Merchants Bank All-in-One Card.
How to get it back: Call the credit card service hotline, verify your identity, and press 9 to be transferred to a customer service specialist. ?
Overpayment recovery handling fee: 0.5% of the amount recovered, with a minimum of RMB 5 or US$1 and a maximum of RMB 50 or US$10.
Extended information:
Introduction to overpayment
Overpayment refers to the funds overpaid by credit card customers when repaying or the funds deposited in the credit card account , a certain amount of fees will be charged for withdrawing the excess payment. This amount can increase the available limit of your credit card or be used directly for consumption repayment.
If there is an overpayment on the credit card, the overpayment will be deducted first and then the credit limit. If the overpayment is greater than the consumption amount, there will be no overdraft. No interest is accrued on overpayments.
In fact, banks do not encourage cardholders to charge money to their credit cards because credit cards adopt a consumption-first-repayment model.
Legal basis for collecting overpayments:
Article 1 of the "Notice of the People's Bank of China on Matters Concerning the Credit Card Business"
Calculating interest on credit card overdrafts The method, as well as whether to calculate interest on credit card overpayments and its interest rate standards, are determined independently by the card issuer.
Reference materials:
China Merchants Bank - Overpayment Claim
Baidu Encyclopedia - Overpayment