Credit cards can save money, but saving money is not recommended. If you deposit too much, it is called "overpayment" and can be used for credit card consumption. Overpayment: ① This sum can increase the available credit card limit or be directly used for consumer repayment; ② If the credit card has overpayment, the overpayment shall be deducted first, and then the credit line shall be deducted. If the overpayment is greater than the consumption amount, there will be no overdraft; ③ For example, 900 yuan needs to be repaid in this period, and the actual repayment is 1 1,000 yuan, and the extra 1 1,000 yuan is the overpaid part; If you deposit money in your credit card in advance without spending it, you can't get this part of the money out. If you want to take it, you will charge a high handling fee and try to avoid it. ⑤ Pay more interest-free.
Can I deposit money with a credit card?
You can deposit more money in your credit card. However, there is no interest on the overpayment in the credit card. In addition, in many banks, there is a charge for withdrawing cash from credit cards. Therefore, credit cards can't be used as savings cards, and it's not cost-effective to deposit money! The following banks are exempt from overpaying fees. 1. At present, the credit cards of ICBC, CCB, BOC, Bank of Communications, Minsheng and other banks have overpayments, but there is no handling fee for withdrawals at local bank counters or ATMs, and there is no handling fee for withdrawals at local banks in Shanghai Pudong Development Bank Credit Card Center; 2. The collection of credit card overpayment from any channel of Guangfa Bank is free. China Everbright Bank collects credit card overpayments from this bank for free. In addition to the above channels, the collection of credit card overpayments will involve a collection fee, such as ICBC, which collects 2 yuan for each cross-bank collection; Construction Bank collects 1% from different places, with the lowest handling fee in 2 yuan and the highest in 50 yuan.
Can I put more money into my credit card?
Yes, you can. You can deposit it in an ATM or at the counter of a bank. But there are two kinds of credit cards: one is quasi-credit card, which has interest on saving money; The other is a credit card. There is no interest on saving money. This card encourages consumption. If there is no money on the card, you can spend it by credit card. Generally, there is an interest-free repayment period of 56 days. Saving money and withdrawing cash are not encouraged. There is no interest on saving money, and the interest on withdrawing money is high.
If you are in urgent need of money, I suggest that you must choose a reliable formal channel for big brands. Qianhua is a credit service brand owned by Xiaoman Finance (formerly Baidu Finance), which is safe and credible, and has the characteristics of simple application, fast lending, flexible loan repayment, transparent interest expenses and strong security. The application conditions for rich flowers are mainly divided into two parts: age requirements and information requirements.
1. Age requirement: 18-55 years old. Special note: if you have money to spend, you refuse to provide college students with consumer installment loans. If you are a college student, please give up the application.
Information requirements: You need to provide your second-generation ID card and your debit card during the application process.
Note: the application only supports debit cards, and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and cannot be processed with temporary id card, expired ID cards or first-generation ID cards.
This answer is provided by Fuguihua, I hope it will help you. Youyouhua, as the credit brand of Xiaoman Finance (formerly Baidu Finance), provides users with convenient, fast and safe Internet credit services with a maximum loanable amount of 200,000 yuan.
Can I deposit money in my credit card?
Of course, you can go to the bank and deposit the money in your credit card. You can save as much money as you want, but you'd better not exceed it.
Some people are used to saving more money in their credit cards when they pay back the money. However, this extra money (the overpaid part) actually has no interest in the credit card; If you want to take it out, you may have to pay a fee.
To recover the overpaid handling fee, different banks have different standards:
The most relaxed supervision is Guangfa Bank. As long as the cardholder withdraws the excess payment in China, no matter through the bank counter or ATM, no matter the bank, inter-bank, local or off-site, there is no handling fee. In banks such as industry and commerce, construction, transportation, people's livelihood, Huaxia, China Everbright, etc., credit card overpayments are withdrawn through local counters or ATM machines, and no handling fee is charged.
If the credit card of China Merchants Bank is overpaid at the counter, it needs a handling fee of 65438+ 0% of the withdrawal amount, and the single handling fee is capped in 50 yuan; If it is handled by ATM, the handling fee will be charged according to the same standard.
Shanghai Pudong Development Bank credit card, take my credit card and ID card to the counter of Shanghai Pudong Development Bank to get back the overpayment, free of charge. However, handling this business at our ATM requires a handling fee of 0.5%, with a minimum 5 yuan for each transaction; At other banks' ATMs, the charging standard is 3%, and the lowest is 30 yuan.
Industrial Bank will also charge 0.5% handling fee for cash withdrawal of credit card overpayments, ranging from 5 yuan to 50 yuan. The daily limit of ATM withdrawal is 20,000 yuan.
In addition, Ping An, Postal Savings Bank, Agricultural Bank of China, CITIC and other banks will also charge a handling fee of 0.5% to 2% for the overpaid cash withdrawal.
Tips: If you overpay, you can transfer to a savings card first.
In fact, there is a shortcut to withdraw the extra money from the credit card. That is: transfer the money from the credit card to the savings card.
Credit card users of Shanghai Pudong Development Bank and Bank of Communications will transfer the overpayment in their credit cards to the debit cards of the bank in their own names through telephone banking customer service, and the account will be received in 1 day, and the handling fee is free. CITIC Bank also stipulates that it is also free of charge to transfer the overpaid part to its savings card through online banking.
However, some banks also charge fees for this curve to save the country. For example, for the credit card of China Merchants Bank, when the cardholder applies to transfer the overpayment to his savings card through telephone banking, he needs to pay a handling fee of 0.5%, which will be capped in 5 yuan and 50 yuan.
Can I save more money by using a credit card? Let's stop here.