When using a credit card, you do not need to deposit money first, you can spend it first. During the interest-free period, you do not need to pay overdraft interest. The length of the interest-free period varies from bank to bank. You can consult the card issuer during the interest-free period.

There are many ways to repay: deposit cash, transfer to credit card, transfer to Alipay, etc. Just transfer the money to the credit card.

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