All credit cards deposit first, then spend. That is, use the money first and then pay it back.

Credit cards are not used to save money.

It is also a waste to save more, and there is no interest if you save.

Withdrawal fee 1%, minimum 10 yuan.

You don't need to exceed 1 minute when you return it.

This only shows that you didn't read the credit card guide carefully when you started using the credit card.