it depends on the regulations of the relevant banks. Most banks charge a handling fee ranging from .5% to 1% for cash withdrawal of credit card overpayments, but Agricultural Bank of China, China Construction Bank, Bank of Communications, ICBC, CITIC, Postal Savings Bank and Huaxia Bank all implement the policy of withdrawing credit card overpayments free of charge, but support local banks to withdraw credit card overpayments free of charge, and there is still a charge for inter-bank or off-site withdrawal. Whether or not to withdraw credit card overpayments depends on the regulations of the relevant banks.