This is due to the rules and regulations of the bank where your credit card belongs. It is better to withdraw the money and then pay it back.

Extended information:

Risk control refers to risk managers taking various measures and methods to eliminate or reduce various possibilities of risk events, or risk controllers reducing risk events loss caused when it occurs.

There are always some things that cannot be controlled, and risks always exist. As a manager, we will take various measures to reduce the possibility of risk events, or control possible losses within a certain range, so as to avoid unbearable losses when risk events occur. The four basic methods of risk control are: risk avoidance, loss control, risk transfer and risk retention.

Risk retention means risk bearing. That is, if a loss occurs, the economic entity will pay for it with whatever funds are available at the time. Risk retention includes unplanned retention and planned self-insurance.

(1) No plan for self-retention. It refers to payment from income after risk losses occur, that is, funding arrangements are not made before losses. When economic entities are not aware of risks and believe that losses will not occur, or significantly underestimate the maximum possible losses that they realize are related to risks, they will adopt unplanned reservations to bear risks. Generally speaking, no fund reservation should be used with caution, because if the actual total loss is much greater than the expected loss, it will cause difficulties in capital turnover.

(2) Have planned self-insurance. It refers to making various financial arrangements before possible losses occur to ensure that funds can be obtained in time to compensate for losses after losses occur. Planned self-insurance is mainly achieved through the establishment of risk reserve funds.

Risk avoidance is when an investment subject consciously gives up risky behavior and completely avoids specific loss risks. Simple risk avoidance is the most negative way to deal with risks, because when investors give up risky behaviors, they often also give up potential target returns. Therefore, this method is generally adopted only under the following circumstances:

(1) The investment subject is extremely risk-averse.

(2) There are other options that can achieve the same goal with lower risks.

(3) The investment entity is unable to eliminate or transfer risks.

(4) The investment entity is unable to bear the risk, or the risk cannot be adequately compensated.