Credit cards can save money, although they can save money but have no interest, because the main purpose of credit cards is to stimulate consumption, not to save money to withdraw money. The money in a credit card is called overpayment. Generally, a handling fee is required to withdraw the overpayment, but some banks will also waive the handling fee for withdrawing the overpayment.

If the credit card has overpayment, the credit card limit will be increased. When spending, deduct this part of the money first, and then deduct the credit limit after deducting the overpayment. When the consumption is less than the overpayment, the credit card will not be overdrawn, or you can use the credit card directly when shopping until the money is used up. Neither of these methods will generate interest or handling fees.

Credit card is very practical for young people nowadays, because it can meet the young people's consumption concept, that is, spend first and then repay. Therefore, when people go out shopping or shopping, they usually bring their own credit cards to buy things or swipe their cards. When we swipe our cards, we feel very handsome, but we can't just swipe their cards and spend them rationally, not blindly.

Although credit cards can bring us benefits and solve the problem of money in time, we must pay attention to reasonable consumption, otherwise credit cards will not repay in time and we will be overdue. If you don't repay in time, you will face the phenomenon of poor personal credit information, so we must stop this phenomenon.

We should clearly know that personal credit information is very important and represents a person's economic strength. If the economic strength is not good, it will affect our future loan behavior. When we buy a house and then take out a loan, or take out a loan to buy a car, we will face the behavior that the bank will not give us a loan.