I. Credit cards can handle deposit and withdrawal business.

At present, most credit cards can support many functions of debit cards. The most basic access service is debit cards, and credit cards are available. Except for special function cards, such as transportation payment cards, cash cannot be withdrawn.

Two, after the collection of excess funds without interest.

After receiving the payment, the excess part is overpayment, which refers to the part where the cardholder's available amount exceeds his credit limit. Interest is not calculated for the overpaid part, and it takes a certain fee to take out the overpaid part. When the cardholder spends money, if the credit card has overpayment, the overpayment will be deducted first, and then the credit line will be deducted. If the overpayment is greater than the consumption amount, there will be no overdraft.

For example, for postal credit cards, the withdrawal fee for overpayment is 0.5% of the withdrawal amount.