When you deposit more money into your credit card than you owe in your account, the excess funds are called overpayments. Generally speaking, overpayments can be withdrawn, but different banks may charge certain handling fees. Taking China Merchants Bank as an example, overpayments can be recovered by calling the credit card service hotline and transferring funds to the debit card in the name of the cardholder. When collecting the money, you need to make sure that the debit card information is consistent with the credit card. Overpayment in US dollars is limited to China Merchants Bank All-in-One Card. During the process of claiming back, you need to pay 0.5 of the claimed amount as a handling fee, with a minimum of RMB 5 or US$1 and a maximum of RMB 50 or US$10.

Overpayment refers to the additional funds deposited when repaying a credit card, which does not include interest. The function of overpayment is to increase the available credit limit on your credit card, which can be used for consumption or repayment. When the consumption amount is less than the overpayment, there will be no overdraft. However, banks generally discourage customers from depositing cash into credit cards because credit cards operate on the principle of repayment after consumption.

It is worth noting that the management method of overpayment is decided by the card issuer, such as the interest calculation method of credit card overdraft and whether the overpayment is interest-bearing. This information can be found in the "People's Bank of China on Credit Card Business" Notice on Relevant Matters". If you need to know more about the specific operations and fee rules of overpayment, you can refer to China Merchants Bank's overpayment recovery instructions or the overpayment entry in Baidu Encyclopedia.