No, the 5,000 yuan limit is the upper limit of the overdraft limit, which is the negative lower limit - 5,000 yuan, and the amount of money that can be deposited is the upper limit of the account balance. No bank will set a limit. It won't matter if you recharge a few hundred million. However, the money in the credit card does not accrue interest. Even if you deposit hundreds of millions of funds, you will not earn a penny of interest for as long as you leave it there. Therefore, if the amount of money is large after it arrives and is not needed temporarily, you have to withdraw it yourself and transfer it to a current account for savings or save it as a certificate of deposit.