First, don't take it out for direct consumption:

Second, you need to withdraw the excess deposits in your credit card. There are two specific ways:

1. Cash withdrawal by credit card, or the user can return the money in the credit card to the savings card through telephone banking. The former requires a handling fee of 1% (minimum 10 yuan), and the maximum daily withdrawal limit is 2,000 yuan; The latter charges a handling fee of 0.5% (the lowest in 5 yuan and the highest in 500 yuan). If you pick it up at the counter, the handling fee will be charged at 1%, but the highest is 50 yuan.

2. Credit cards do not encourage cardholders to make extra deposits. The original intention of credit card is to hope that the cardholder can spend by overdrawing personal credit, which is different from ordinary debit card. For banks, once the cardholder deposits the extra money into the credit card and then withdraws it, it can only be charged according to the unified credit card overdraft withdrawal fee.

Credit cards can be used to deposit money, but it is recommended not to deposit money in them. Although credit cards and debit cards are both bank cards, they have their own functions. If you use a credit card as a debit card, you won't pay interest, but you will add extra fees.

Especially after saving money by credit card, it takes a high amount of overpayment to withdraw money. "Overpayment" can increase the available amount of credit cards, or be directly used for consumer repayment. If the credit card has overpayment, deduct the overpayment first and then deduct the credit line; If the overpayment is greater than the consumption amount, there will be no overdraft.

However, the withdrawal of this part of the funds requires a handling fee. Therefore, credit card consumers had better avoid "overpayment". According to common sense, the money stored in the card can generate interest, while the credit card is different from the savings card, even if there is extra money in the customer's account, it will not generate interest. If you want to get back the "overpaid" money from your credit card, there may be some fees, that is, the "overpaid" refund fee.

When the credit card limit is sufficient, don't deposit money into the credit card easily, try to repay it in full according to the bill, or set up a debit card associated with the credit card for automatic deduction. For the handling of the "overpayment" that has already occurred, bankers suggest that if the amount is small, try to "redeem" with credit card consumption.

Credit card spending will take the initiative to use the "overpayment" limit by default, and then use the normal credit limit.