A credit card can be used as a financial tool and used as a payroll card, but it should be noted that any excess amount deposited into the credit card will be considered an overpayment. Overpayment refers to the amount that exceeds the repayment amount on a credit card bill. These funds do not accrue interest and are usually automatically offset against future purchases. However, different banks may have different handling and fees for overpayments. For example, China Merchants Bank, if you need to claim overpayments, you may need to pay a certain handling fee, which is 0.5% of the amount you claim, with a minimum of RMB 5. or 1 USD, up to 50 RMB or 10 USD. During the operation, the cardholder needs to call the bank service hotline, and after verifying the identity, select the appropriate method of redemption, such as transferring to a debit card in his or her name, and the excess payment in US dollars can only be claimed with the China Merchants Bank All-in-One Card.

It should be noted that overpayment is not completely free, and the bank may charge a certain fee for collection. Therefore, if you want to deposit your wages directly into your salary card, it is recommended to understand their respective policies to avoid unnecessary fees. In addition, the use of overpayment can also increase the available limit of the credit card for consumption or repayment, but the overpayment will be deducted first when consumption is made. Only when the overpayment is greater than the consumption amount, an overdraft will not be formed.

In general, credit cards can be used as salary cards, but you need to pay attention to the management of overpayments and the fees they may incur, and plan your finances reasonably to ensure the best use of funds.