1. The overpaid credit card payment can be used as the next repayment, you can directly withdraw cash, and you can transfer money through online banking, etc.

2. The solutions to overpaying credit card repayments are as follows:

1) Use it as the next repayment: the overpaid amount does not need to be taken out, but placed in On the credit card, you can then use the card to make purchases as usual, and the repayment amount generated by the next bill can be deducted from the overpayment amount this time. But the disadvantage of this is that the money becomes dead money when it is left on the credit card and cannot accrue interest.

2) Some banks can directly withdraw cash: For the overpayment on credit cards, some banks can directly withdraw cash without handling fees, but most of them are limited to local banks. For example, ICBC, China Construction Bank, Bank of China, China Minsheng Bank and other banks have no handling fee for withdrawing overpayment from credit cards at local branches (over the counter or ATM machine); the local branch of Shanghai Pudong Development Bank stipulates that there is no handling fee for withdrawing money from the bank's ATM machines. There is a 0.5 handling fee for retrieval, with a minimum charge of 5 yuan. If you withdraw cash from someone other than our own bank, a certain handling fee may be charged. For example, ICBC charges 2 yuan per transaction for inter-bank withdrawals; China Construction Bank charges 1 handling fee for cross-bank withdrawals, with a minimum of 2 yuan and a maximum of 50 yuan;

3) Online banking transfer of some banks: If you accidentally overpay, in addition to withdrawing cash from ATMs and counters, some banks can also transfer funds to their bank savings cards through online banking. Different banks have different policies for overpayment online banking transfers. Specific cardholders can call the bank's customer service number to ask

4) Next repayment. If you have more money on your credit card, you can also leave the money in the card and wait for the next repayment. In this case, you don’t have to worry about the next repayment, and you can confidently and boldly spend overdraft in advance. .

5) Transfer money. If you have too much money on your credit card, you can also use the transfer function of your credit card to transfer the excess money to other bank cards. In this case, there will generally be no handling fees and you can save some trouble.

3. I would like to remind everyone that credit cards are not debit cards. Credit card cash withdrawals are subject to handling fees. No matter you are actually withdrawing cash or withdrawing extra money, you will be charged a handling fee. , the handling fee generally ranges from 0.5-3.