brief introduction

credit card desposition

Credit card deposit refers to the money that an enterprise deposits into a bank credit card account in order to obtain a credit card. Refers to the money that an enterprise deposits into a bank credit card account in order to obtain a credit card. Credit cards can deposit cash, but standard credit card deposits have no interest, and there is a handling fee for withdrawing the deposited money (this situation is called overpayment). However, some special cards can save money, so you must read the terms and conditions carefully before applying for a credit card. Before handling a credit card, it is best to read the articles of association or the cardholder's instructions carefully in advance to find out whether the card has deposit interest, so as to avoid unnecessary misunderstanding and financial loss.

What does CGB credit card deposit mean?

Guangfa credit card deposit means: 9000 you have deposited. If the bill is 10000, of course you have to subtract 9000, and the rest is the bill you want to pay back.

Guangfa Credit Card is the first domestic standard credit card issued by Guangfa Bank 1995, and it is also the first credit card to achieve profitability. The credit limit of the card is preset according to international standards, and it is used for overdraft consumption and cash withdrawal transactions without pre-deposit.

The interest-free period of overdraft consumption can be as long as 50 days. As long as you repay in full before the repayment due date stipulated by the bank, you can enjoy interest-free treatment from the trading day to the repayment due date. The repayment method is flexible, you can pay off in full, or you can choose the minimum repayment amount, enjoy revolving credit, and manage your finances more freely.

1. Overflow deposit, also known as credit card self-owned deposit, refers to the "extra" money deposited by the cardholder without overdraft.

Credit card "overflow deposit" may occur after the credit card is recharged, and the amount is equal to all deposits MINUS the amount owed in the bill. Most card-issuing banks will handle the overdraft withdrawal of their own deposits for cardholders and charge a certain handling fee. Please note the following points:

1, the credit card is not a savings card, so don't save money on the credit card, except that the amount is higher when swiping the card, which is not very beneficial.

Even if you put money into your credit card before the final repayment date, there won't be as many "overflow deposits" as you have saved.

3. "Excess deposit" will not generate any interest, in other words, it is impossible to "recharge" the credit card in advance and then spend it.

4. Don't withdraw the "overflow deposit" easily. In general, you just need to empty your account and then cancel your card. In other cases, you can use the "overflow deposit" directly by swiping your card.

If the cardholder wants to increase a certain credit limit, he can apply for a temporary credit limit from the bank customer service center, and there is no need to rely on "overflow deposits" to increase his spending power.

Two, credit card deposit refers to the enterprise in order to obtain a credit card and in accordance with the provisions of the bank credit card account funds. Refers to the money that an enterprise deposits into a bank credit card account in order to obtain a credit card. Credit cards can deposit cash, but standard credit card deposits have no interest, and there is a handling fee for withdrawing the deposited money (this situation is called overpayment). However, some special cards can save money, so you must read the terms and conditions carefully before applying for a credit card.

Do I have to save money to get a credit card? There are too many benefits.

With the continuous penetration of credit cards in people's lives, more and more people will apply for credit cards to spend money, but many people are not clear about the requirements for applying for credit cards for the first time, and some even think that applying for credit cards requires saving money in debit cards. Let's discuss this problem together.

1. Do I need to deposit money for my credit card?

All major banks are free to handle credit cards and will not charge applicants any fees. Similarly, they will not require applicants to deposit money in a savings card before applying for it.

As long as the applicant meets the conditions for applying for a card, has a stable job and income, has a good repayment ability, and meets other conditions for the type of card to be processed, he can apply through online channels or directly to a bank outlet, but there is no need to provide any information for applying for a card online. When applying for outlets, you need to prepare the original and photocopy of your ID card, the income certificate issued by the unit and other materials.

However, it is not a bad thing to deposit money into a debit card before handling a credit card, but it has many advantages.

2. What are the advantages of saving money by credit card?

Many people have no business dealings with this bank before applying for a credit card, so they can deposit their money in the credit card and become customers of this bank, which will help improve the success rate of card handling.

In particular, the credit card threshold of state-owned banks is very high, especially for the applicant's asset strength. If the applicant is not a customer of the bank, has no deposit in the bank, and the bank cannot know its asset strength, then it is estimated that it is difficult to get a card, even if the approval amount of the card is not very high.

On one occasion, two colleagues applied for ICBC's credit card together. Originally, one colleague earned a little more than the other, but he never deposited money in ICBC. As a result, colleagues with low income successfully applied for a card because they saved 50 thousand yuan in ICBC.

The above is the introduction of "Do you want to deposit money in your credit card?". . In short, although there is no rigid requirement for handling credit cards, saving money can improve the success rate of handling cards to a certain extent. If you want to successfully approve cards and get a high number of friends, you may wish to give it a try.

Can I deposit money with a credit card?

You can save money. Credit cards have the basic functions of ordinary bank cards, so credit cards can be inserted into ATM machines to deposit money like ordinary debit cards and savings cards, and they can also transfer money to bank cards.

However, it should be noted that the credit card itself has a line given by the bank, and the money we deposit exceeds the credit line. After credit card consumption or withdrawal, the used amount will be recharged first, and then it will exist in the form of overpayment.

The difference between credit card and bank card

1, the credit card deposit bank does not give interest. Therefore, saving money by credit card may have no interest for two or three years. If you put it in a bank card, it will be different. You will pay interest at the benchmark interest rate every month. In addition, the cash withdrawal from bank cards is free, and the cash withdrawal fee for credit cards is 1%~2% of the cash withdrawal amount.

2, the money in the credit card may become bad debts, affecting credit. Don't let the money go after you deposit it in your credit card. If the credit card has not been traded for more than 180 days, even if it is not overdue, it will affect the credit. It may be treated as bad debts by banks and directly reported to the central bank for credit reporting, leaving a record of bad debts, which is much more serious than overdue.

Function of credit card

1, credit card consumption

The most direct function of a credit card is to spend money by swiping it. Users can use a credit card to spend money in shops, hotels, airports, convenience stores and other places, and the more they spend, the more banks like such users. It is best to limit the monthly consumption of a credit card to 70% of the credit limit.

2. Cash withdrawal

Credit cards also have the function of withdrawing cash, but using these functions requires a certain fee and interest. The handling fee is generally about 1% of the withdrawal amount, which varies from bank to bank. Interest income is generally charged on a daily basis, with a daily interest rate of five ten thousandths. Generally speaking, the interest paid by credit card withdrawal is relatively high.

3. Payment by installment

Credit card has the function of installment repayment. If the user has difficulty in repayment after using the credit card, he can use the installment repayment function, but he needs to pay a certain fee, which is calculated according to the number of installments. Users can repay in advance after installment, which can save a lot of money and restore the amount in real time.

Step 4 remit money

Credit cards have the function of remittance. For example, when spending abroad, cardholders can make repayment or recharge at home, so that users can rest assured that they don't have to worry about insufficient funds or missing the repayment date. This function is beneficial for users to use when traveling.

What does it mean that the credit card balance shows the deposit?

The credit card deposit is extra money. After the bill is generated, the credit card balance will be used to deduct the bill amount. If it is not enough to deduct the repayment amount, it needs to be paid again.

The introduction of why credit cards deposit and why credit cards fail to deposit ends here. I wonder if you have found the information you need?