1. Consumption: If the amount is not large, you can wait until it is within the credit card limit. The overpaid amount shall be consumed first at the next consumption;

2. Cash transfer: the overpaid part can be directly transferred to the bank card in my name at the counter or designated self-service equipment. This is also free;

3. Cash withdrawal: Generally, cash withdrawal by credit card will generate handling fees and interest. Except for overpayment. The extra money in the credit card can be taken out at the counter without paying the handling fee. However, according to the principle of credit card bookkeeping and risk management, I must bring my ID card with me when I deposit or after I deposit. Overpayment refers to the funds overpaid or deposited in the credit card account by credit card customers, and a certain fee is required to take out the overpayment. This money can increase the limit of available credit cards, or be directly used for consumer repayment. If the credit card has overpayment, the overpayment shall be deducted first, and then the credit line shall be deducted. If the overpayment is greater than the consumption amount, there will be no overdraft. Overpayment is interest-free.

Legal basis: Article 1 of the Notice of China People's Bank on Credit Card Business.

The calculation method of credit card overdraft interest, whether to calculate and pay interest on credit card overpayment and its interest rate standard shall be determined by the card issuer independently.