For example, there is a debt of 1 000 yuan in the bill, and you have new consumption in 200 yuan after the bill, so if you repay 1, 200 yuan, after paying off the part of the bill, the excess debt will not be retained, and it will directly offset the unpaid debt. If there is a refund or return of the credit card, if there is a debt without a bill, it will also offset the part without a bill.