In fact, banks do not encourage cardholders to recharge their credit cards, because credit cards use the mode of spending first and then repaying. Therefore, the bank stipulates that a certain handling fee should be charged for the overpayment.
Although credit card holders take their own money, they occupy the relevant resources of the bank. Because credit cards are different from ordinary debit cards in handling deposit and withdrawal accounts, and credit cards are used to encourage customers to spend instead of letting cardholders use them as savings accounts, the charges are reasonable.
Moreover, "overpayment" does not count as interest. In other words, it is not good to "recharge" the credit card in advance before spending. If the cardholder wants to increase a certain credit limit, he can apply to the bank customer service center for a temporary credit limit, and there is no need to increase his spending power by "overpaying".
Extended data:
Several methods to avoid repeated repayment of credit cards;
1. Ensure that the balance in the repayment debit card associated with the credit card is sufficient to pay off the credit card bill of the current month.
2. If the balance is insufficient for repayment, you can withdraw all the deposits in the debit card and then repay in cash.
If you are worried about the insufficient balance in the card, you should make it clear before deciding whether to repay in cash.
4. If you don't receive the bank deduction information on the repayment date, you should check the balance in the debit card first, and then call the customer service hotline to find out clearly. Don't make hasty repayment.
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