You can take out more credit cards, and the excess is called "overpayment". Cardholders can take it out for free, but there will be a certain withdrawal fee. Different banks charge different fees for overpayment. Some banks don't charge any fees, while others need a certain handling fee. Cardholders can call the bank customer service for consultation in advance.

Some users who pay more with their credit cards can choose to take it out or put it in it. The next time you use a credit card, the bank will give priority to deducting the extra money, which can also reduce the handling fee, but don't always deposit more money in the credit card, because interest is not included in the credit card.

What's the impact of not overpaying with a credit card?

After overpayment, if the credit card account is not used for a long time, it is easy to form long-term bad debts, so small overpayment can be solved in daily consumption, so there will be no handling fee for cash withdrawal.

If the user's overpayment and bad debts have already appeared in the personal credit report, the user need not worry. Once the credit card has bad debts, the user should consult with the bank in time and consult the specific treatment method.