If you overpay your credit card, banks generally will not refund the amount. If you want to withdraw money, you can only withdraw cash by credit card. The bank will charge a cash advance fee to collect interest. The cash advance fee of each bank is also different.

Generally speaking, when a credit card is repaid, the excess will be retained in the credit card as an overpayment, which can be used by swiping the card normally or used for online payment, and the bank will not charge interest. If there is a balance on the credit card, the overpayment will be automatically offset against the balance on the credit card.

Extended information:

1. How to get a refund if the credit card payment is overdue?

1. If the credit card repayment is heavy and the overpayment funds turn into overpayment, the user can directly withdraw the overpayment.

2. If the repayment funds have not turned into overpayments, then the user needs to retain the relevant evidence of the two repayments. After submitting the evidence to the bank, it proves that there is a repeated deduction. After the bank verifies that it is correct, , usually the repayment funds will be returned via the original route within a few working days.

3. Therefore, the above two methods can be used to solve the problem of heavy credit card repayments. Although overpayments can be withdrawn directly, some banks require payment of handling fees for overpayment withdrawals.