1. Yes, but you must have a certain credit card limit.

2. When you deposit money in a credit card, when you swipe the card, you should swipe it from the card limit first, and then the deposited money. Moreover, the deposited money cannot be withdrawn. The withdrawal is calculated as a credit card withdrawal. .

3. Credit cards are divided into credit cards and quasi-credit cards. A credit card is issued by a bank and gives the cardholder a certain credit limit. The cardholder can consume within the credit limit first and then Credit card repayment.

Extended information:

Notes on using credit cards:

1. Calculate the interest-free repayment period.

The 56-day interest-free repayment period promised by the bank cannot be enjoyed at any time. The interest-free repayment period of a credit card is generally determined by three factors: the customer's credit card consumption date, the bank statement date, and the bank's designated repayment date.

For example, the bank statement date is the 5th of each month, the designated repayment date is the 23rd of each month, and the customer swipes the card once a month.

If the consumption is on the 4th of the month, the interest-free repayment period is from the 4th to the 23rd of the month, and the interest-free period is 20 days; if the consumption is on the 5th of the month, the interest-free repayment period is The payment period is from the 5th of the current month to the 23rd of the next month. At this time, the interest-free period is 49 days.

2. Do not overdraft your credit card

According to the "Bank Card Business Management Measures" and "Customer Agreement", when cardholders spend more than the limit approved by the card-issuing bank, they will no longer be charged. Enjoy the interest-free period and pay overdraft interest from the date of overdraft.

So when we enjoy the interest-free repayment benefits of credit cards, we must remember not to exceed the credit limit approved by the bank. Otherwise, we will not be able to enjoy the interest-free repayment treatment for the excess amount, and we will have to pay interest on the overdraft limit. .

3. Repayment requires paying off the credit card consumption limit

During the interest-free repayment period, no interest is required for full repayment. However, if it is a partial repayment, and it is within the minimum repayment amount stipulated by the bank, there are currently two ways to calculate interest: The first is that as long as the cardholder has not repaid a penny within the repayment period, he or she cannot enjoy interest exemption. treatment; the other is to only pay interest on the arrears.

Most banks calculate according to the first method, and some banks adopt the second method. For example, if you have a credit card overdraft of 1,000.10 yuan, but because you can't remember the specific amount, you only repaid 1,000 yuan during the interest-free period, and you still owe 0.10 yuan, the bank will calculate interest not on the basis of 0.50 yuan, but on 1,000.10 yuan. In this case, we are at a great loss.

4. Credit card cash withdrawals do not enjoy the interest-free period

Credit cards can withdraw cash, but not only will they not enjoy the interest-free period, but you will also have to pay a certain amount of interest, and the interest calculation is Calculation starts from the date of withdrawal. These regulations are stated in the notes on the use of credit cards of various banks. As long as we read it carefully, we will find that "cash withdrawals or transfer overdrafts with credit cards do not enjoy the interest-free repayment treatment. From the date of overdraft recording, the daily interest rate is RMB 10,000. "Fifths of Interest Calculation" and other relevant regulations.