In the eyes of banks, credit cards and bank cards are not exactly the same. In this way, after the cardholder transfers the money to the credit card, the transfer will not only generate interest, but also charge some handling fees, such as handling fees and management fees. But cardholders don't have to worry that the money transferred to the credit card will not cause property damage.

What if I transfer too much money to my credit card?

After multiple card transfers, users can directly swipe their cards for consumption, and there will be no withdrawal fee. In addition, the cardholder can use the transferred money to repay the next credit card debt. The cardholder only needs to pay on the next bill date and then deposit the remaining bill amount into the account.

If the cardholder is in urgent need of cash, but unwilling to pay the withdrawal fee. Then use the extra money to help friends pay their credit card debts, and then give them cash directly. If the cardholder deposits too much money into the credit card, he can find more friends, so as to avoid the withdrawal procedure of overpayment.

Now, according to the regulations of the issuing bank, if more money is transferred to the credit card, the extra money is overpaid. As we all know, it takes some formalities to withdraw cash overpayments or cash out from credit cards. Every time a cardholder makes a consumption, he will deduct this overpayment first, and then deduct the credit line after consumption.