Hello, the extra money in your credit card is called overpayment. You can withdraw the overpayment, or you can keep it in the credit card to repay the next credit card bill. However, it should be noted that some banks require that handling fees be charged for withdrawing overpayment, and the regulations of each bank are different. If you have small loan requirements, it is recommended that you use Youqianhua to borrow. "Youqianhua" is the original Baidu financial credit service brand (original name: Baidu Youqianhua, renamed to "Youqianhua" in June 2018) , with the characteristics of easy application, fast disbursement, flexible borrowing and repayment, transparent interest rates, and strong security. The application materials are simple, the fastest is approval in 30 seconds, and the fastest is 3 minutes for disbursement. You can repay in advance, and after repayment, the amount can be restored and you can borrow money on a recurring basis. I hope this answer is helpful to you. Click below on your mobile phone to measure your balance immediately! The maximum borrowing amount is 200,000.