Credit card overpayment refers to the excess funds paid by credit card customers or the funds deposited in credit card accounts. For example, the repayment date of the credit card should be 100 yuan, but the repayment date was changed to 120 yuan. At this time, extra 20 yuan is called overpayment. Overpayment can increase the available credit card limit 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. It should be noted that it takes a certain fee to take out the overpaid part.

Regarding the handling fee for credit card holders to withdraw "overpayment", the charging bank said that although credit card holders took their own money, they occupied the relevant resources of the bank.

Because credit cards are different from ordinary debit cards in handling deposit and withdrawal accounts, and credit cards are used to encourage customers to spend instead of letting cardholders use them as savings accounts, the charges are reasonable.

Moreover, "overpayment" does not count as interest. In other words, it is not good to "recharge" the credit card in advance before spending. If the cardholder wants to increase a certain credit limit, he can apply to the bank customer service center for a temporary credit limit, and there is no need to increase his spending power by "overpaying".