If you don't apply for a temporary line, the available balance is greater than the fixed line of the credit card, indicating that there is no debt in the card, but the repayment is excessive.

Overpayment:

When the repayment amount of a credit card is greater than the amount owed, the excess will be displayed in negative numbers, which is called overpayment.

1. The overpaid part is accumulated in the credit line, and the next consumption will be given priority;

2. When overpaying some withdrawals, you may need to pay a handling fee (different banks charge different fees); If China Merchants Credit Card withdraws cash in excess, it needs to pay a handling fee, generally 1%/ transaction, with a minimum of 10 yuan/transaction. Some banks don't need handling fees.