Check whether your credit card is overpaid. You can call the bank's customer service hotline for consultation, so that you can get accurate results. Of course, users can also go directly to the bank counter to inquire. In fact, paying a little more for a credit card won't make any difference. Users only need to pay by credit card when spending, so they can use the extra money.

Overpayment by credit card is called overpayment, and this part of money can also be taken out, but a certain handling fee may be required when it is taken out, and different bank regulations are different. But I suggest that you don't take out this part of the money, and you'd better spend it directly.

In order to avoid excessive repayment of credit cards, users should check their credit card bills before repayment, so as to know how much they need to pay back. Credit card repayment can be made through bank counters, online banking, mobile banking and other different channels.

Credit card repayment must not be overdue, because there will be penalty interest after overdue repayment, and the longer the time, the more penalty interest will be generated. Moreover, the overdue repayment of credit cards will affect personal credit information, which will affect the handling of various loans after the credit information becomes worse. It should be noted that after the overdue arrears are returned, the record will be kept in the credit information for 5 years.