When the amount deposited in the credit card exceeds all the debts under the account, the excess amount is called "overpayment", which will be automatically deducted from the credit card consumption.

note: a credit card is not a savings card, so don't deposit the deposit into a credit card account when there is no debt. Of course, you can use it for credit card spending in the future, otherwise a certain handling fee will be charged when you withdraw the deposit.

ii. ways to recover the credit card overpayment of citic bank

if the credit card of citic bank needs to have more money in the card and there is no debt in the card, the overpayment can be recovered if it is not the amount deposited in the credit card on the same day.

handling method: log in to the credit card website of China CITIC Bank, click "Credit Card Online Banking", select online banking, and then you can enter relevant information "Log in to online banking", and select inter-bank communication-online banking overpayment (inter-bank transfer of excess deposit amount) to handle it.

iii. handling fee for recovery of credit card overpayment of CITIC Bank

Handling fee for recovery of credit card overpayment of CITIC Bank: 1.5‰ of the overpaid amount, with the minimum charge of 2.5 yuan RMB.

note: the overpayment must be recovered by the prescribed way. If it is recovered by credit card withdrawal, it will be charged according to the handling fee of credit card withdrawal of CITIC Bank. Therefore, if you continue to use the credit card of CITIC Bank, it is recommended not to recover the overpayment in the card, and keep it for credit card consumption, which can also save the handling fee.