Credit cards can save money, but credit cards are different from savings cards, and their main purpose is to stimulate consumption, not to deposit or withdraw money. Therefore, although credit cards can save money, there is no interest.

the funds deposited in the credit card account are called overpayments, which can increase the available credit card limit or be directly used for consumer repayment. If there is overpayment in the credit card, the overpayment will be deducted first, and then the credit line will be deducted. If the overpayment is greater than the consumption amount, there will be no overdraft. However, credit cards are different from savings cards, and the interest premium payment in credit cards does not bear interest, and a certain amount of fees must be paid to take out the premium payment.

In fact, it is not recommended for cardholders to charge money into credit cards. If cardholders encounter "overpayment", it is better to spend the overpayment by swiping the card to avoid unnecessary expenses.

for the balance in the credit card account, the bank will not distinguish whether the money is your own money or the overdraft bank's money. If you have to pay a handling fee to withdraw cash, you can only use it for credit card consumption, which completely loses the original meaning of the credit card.

If you want to deposit money into a bank card, you can just transfer it to the bank's self-service repayment machine or through online banking and third-party payment platforms. However, the money "deposited" into it is called overpayment, which can only be used for repayment and credit card consumption (if there is overpayment in the credit card account, it will be given priority when spending).

If you are concerned about interest, it is suggested to get a debit card from China Bank. The debit card can deposit interest into it, and it can also be used for automatic repayment if it is bound to a credit card. There is no point in depositing money into a credit card, and there is a handling fee for withdrawing cash.

Extended information:

Overpayment refers to the extra money paid by the credit card customer or the money deposited in the credit card account, and a certain amount of fees are required to take out the overpayment. This sum can increase the available credit card limit, or be directly used for consumer repayment. If there is overpayment in the credit card, the overpayment will be deducted first, and then the credit line will be deducted. If the overpayment is greater than the consumption amount, there will be no overdraft. Overpayment is interest-free.

In fact, banks do not encourage cardholders to charge money into credit cards, because credit cards use the mode of spending first and then repaying. Therefore, the bank stipulates that the overpayment is subject to a certain handling fee. At the same time, the handling fee for cash withdrawal of credit card overpayment is different from bank to bank.

reference link: credit card-Baidu encyclopedia