Overpayment of credit card means that the repayment amount of credit card is greater than the amount owed by credit card, and the excess will be accumulated on the credit line, which will be used first in the next consumption;
Overpayment in credit card does not include deposit interest;
You can also take out the overpayment, and you need to pay a handling fee when taking out: generally, it is 0.3% of the transfer amount, and the minimum is 5 yuan RMB.
Extended data:
Overpayment is a credit card deposit, and the bank does not calculate and pay interest, which is completely different from a savings card.
According to the regulations, there is a charge for withdrawing cash by credit card. The charging problem should be viewed from two aspects:
In the regulations on the use of credit cards, ATM withdrawals are basically subject to withdrawal fees. Usually the standard is 0.5% of the withdrawal amount, and the minimum charge is 5 yuan; The handling fee for overseas cash withdrawal is higher.
If there is "overpayment", the withdrawal fee will still be charged according to the credit card withdrawal standard.
In this case, it is suggested that the cardholder transfer the overpayment on the credit card to the debit card of the same name of any bank, and then withdraw cash from the debit card. This can reduce the handling fee.
If the cardholder encounters "overpayment", it is best to spend the overpayment by swiping the card to avoid unnecessary expenses.
Baidu encyclopedia-overpay