First of all, the credit cards we usually handle are debit cards. Credit card consumption has an interest-free repayment period, and deposits have no interest.

However, the issue of interest bearing should be considered when the unit collectively handles the salary card, so most of them choose quasi-credit card as the salary card, and the deposit bears interest on demand. However, there is no interest-free repayment period for credit card consumption, and it must be repaid on the day of consumption, otherwise it will be penalized the next day, which is obviously not suitable for consumption.

So you should call the bank to find out what kind of credit card you are handling, so as to avoid the loss of deposit interest or the bad credit caused by overdue repayment of credit card consumption.