a credit card is a debit card, which is a business provided by the bank for credit card users. Within a certain credit limit, the overdraft limit can be consumed first and then repaid. It is not necessary to pay cash, but it can be repaid on the repayment date. There are several ways to use the credit card overdraft limit:

1. Cash advance by credit card: it takes a certain fee and interest to withdraw cash from the overdraft credit card limit to use on other debit cards.

2. credit card cash installment: convert the credit card amount into cash, transfer it to the designated debit card (the bank or other bank), and return it in the specified number of monthly installments. The installment fee is required, which is determined according to the number of installments, and no additional interest is required.

3. Payment by credit card: when shopping, use a credit card to swipe your card on the POS machine, and then transfer it to the credit card for repayment on the repayment date, with an interest-free repayment period.