Overpayment of credit cards is still common, but it is worth noting that cardholders:

Overpayment is a credit card deposit, and banks do not calculate and pay interest, which is completely different from savings cards;

According to the regulations, there is a charge for withdrawing cash by credit card. The charging problem should be viewed from two aspects:

(1) In the regulations on the use of credit cards, ATM withdrawals are basically charged. Usually the standard is 1% of the withdrawal amount, and the minimum is 1 yuan; The handling fee for overseas cash withdrawal is higher.

(2) If there is "overpayment", the withdrawal fee will still be charged according to the credit card withdrawal standard. In this case, you have to go to the counter according to the procedure of "overpaying for more", and the handling fee is relatively low.