Credit card pre-deposit refers to the amount of money that an enterprise deposits into a bank's special credit card account in order to obtain a credit card in accordance with legal provisions. There is no interest on credit card deposits. Banks generally do not encourage pre-deposits to credit cards. In addition, there are handling fees for withdrawing pre-deposits on credit cards. The credit card has a pre-deposit, which can be withdrawn at an ATM machine. It is your own funds that you can use at your own discretion.

How to use credit cards: 1. Spend moderately. Don't think that credit cards can be used at will. You must know that you must repay after use. In order to avoid overdue situations, it is recommended that you understand your financial situation before spending and spend within your ability. Otherwise, excessive card spending will cause If you have too much debt, you will be in trouble if you cannot repay it on time.

2. Repay the loan in full and on time. Keep the repayment date in mind, and repay on time. It is best to repay in full. Of course, you can also choose the minimum repayment or installment repayment when encountering cash flow problems. In addition, everyone should also pay attention to the arrival situation. After all, different repayment methods have different arrival times. Only when the money reaches the account can the real repayment be considered successful.

3. Standardize the use of cards. While diversifying your consumption, you should also pay attention to the credit card swiping time. You must swipe your card during normal business hours to avoid various behaviors that may cause bank risk control, such as overdue payments, etc. These are not in compliance with card regulations. .

4. Keep your credit card information well. Keep your credit card properly and do not leak credit card information easily. Once an abnormal transaction occurs, everyone must be able to submit consumption vouchers to prove the consumption that was not made by yourself. In addition, do not disclose your personal information to anyone to avoid being used for credit card applications under your name. When you find credit information that does not match your own, immediately file an objection application.