One; The overpayment can be directly used for consumption. Generally, the credit card overpayment will be deducted first, and then the credit line will be deducted. When the overpayment is greater than the consumption amount, there will be no overdraft, and there is no need to repay the consumption in the next credit card bill.

Second; It is understood that at present, some banks can directly and automatically repay the overpaid part to the next bill, but some banks still do not support the direct and automatic repayment of the overpaid part.

Third; At present, China Construction Bank, Shanghai Pudong Development Bank, Bank of Communications, China Guangfa Bank and China Merchants Bank. You can use the overpaid money to pay off the credit card bill. The specific situation requires the cardholder to consult the issuing bank, and the standards of each bank are different. Please also refer to the final consultation result.

Fourth; Excessive repayment after credit card repayment is equivalent to saving money in a credit card and can be directly consumed. But unlike debit card deposits, credit card overpayments do not calculate interest, so many users want to withdraw overpayments. But it is not cost-effective to take out the overpaid money, because it doesn't matter if you save more money in the credit card, but you need to charge if you want to take it out.

Overpayment (Overpayment) is a Chinese character with a pinyin of y and ji and o ku and n, which refers to the overpayment paid by a credit card customer or the funds deposited in a credit card account. You must pay a certain fee to take out the overpayment. This money can increase the limit of available credit cards, or be directly used for consumer repayment. If the credit card has overpayment, the overpayment shall be deducted first, and then the credit line shall be deducted. If the overpayment is greater than the consumption amount, there will be no overdraft. Overpayment is interest-free. In fact, banks do not encourage cardholders to recharge their credit cards, because credit cards use the mode of spending first and then repaying. Therefore, the bank stipulates that a certain handling fee should be charged for the overpayment. At the same time, the handling fee for cash withdrawal of credit card overpayment varies from bank to bank.

Five; Regarding the handling fee for credit card holders to withdraw "overpayment", the charging bank said that although credit card holders took their own money, they occupied the relevant resources of the bank. Because credit cards are different from ordinary debit cards in handling deposit and withdrawal accounts, and credit cards are used to encourage customers to spend instead of letting cardholders use them as savings accounts, the charges are reasonable. Moreover, "overpayment" does not count as interest. In other words, it is not good to "recharge" the credit card in advance before spending. If the cardholder wants to increase a certain credit limit, he can apply to the bank customer service center for a temporary credit limit, and there is no need to increase his spending power by "overpaying".