Hello! If there is no debt in the card, the money put into the card will be converted into your own deposit. But if you use these funds to spend, it is naturally no problem. If you want to withdraw money, you will have to bear the handling fee. According to different banks, the amount to be paid is different. This is called withdrawal fee. Please consult the bank hotline on the back of the credit card for the specific amount. As far as I know, only ICBC does not charge cash handling fees.