When credit card repayments exceed the limit, a common phenomenon is called "overpayment." In this case, the excess will be reflected in your available limit as a negative number. For example, if you spend 100 yuan but repay 500 yuan, the available limit for the next period will be displayed as "-400 yuan." In fact, the amount of these additional payments will remain in your credit card account without accruing interest or fees.

There are three main ways to deal with overpayments: First, you can choose to withdraw cash. Secondly, if you need to continue using your credit card, this money can also be left in the card for daily consumption. Finally, a common option is to use it as part of your next repayment, offset by some or all of your bill. Overall, the key to dealing with overpayments lies in your personal financial planning and credit card usage strategy.

Each option has its pros and cons. Withdrawing cash may incur certain handling fees, and using it for consumption may affect your credit utilization. Therefore, when deciding how to handle overpayments, it is recommended to make the most appropriate choice based on your spending habits, repayment plan and credit card policy. Remember, maintaining good credit management contributes to long-term financial health.