A credit card can deposit money into it, and the amount deposited into the credit card is called overpayment: 1. Some banks will charge a handling fee when taking out the overpayment, of which the handling fee of Agricultural Bank is 1%, the handling fee of Xingye and Ping An is 0.5%, and China, Industry and Commerce, Construction, Transportation, Minsheng and China Everbright Bank are exempt from handling fees when taking out the overpayment in the same city;

2. The overpayment is accumulated on the credit line and will be used first when spending by credit card.

Overpayment in your card will not generate deposit interest.

Credit cards can be withdrawn, but they can also be deposited. Credit cards cannot be used as savings cards. However, due to the existence of handling fees and interest, it is very uneconomical.

Credit cards are mainly used for consumption, although deposits can be made, which is called overpayment. This money can increase the limit of available credit cards, or be directly used for consumer repayment. However, there is no interest on the overpaid part, and it is often necessary to pay a withdrawal fee when taking it out as cash, which is not worth the candle.

Credit card withdrawal has no interest-free period, and interest is charged from the date of withdrawal, with a daily interest rate of five ten thousandths.