when the credit card limit is insufficient, saving money in the credit card is also a way to solve the problem. By depositing money into the credit card, the cardholder can successfully buy goods whose price exceeds the credit card limit. However, when depositing money, cardholders should pay attention to the following points:

(1) The amount of deposit should be appropriate. When depositing money into a credit card, the cardholder had better let the deposited money be consumed at one time. Otherwise, the extra money will become overpayment, which will bring trouble to cardholders.

(2) The time for deposit shopping should be appropriate. If the cardholder chooses to deposit money into the credit card for credit card consumption, it is best to choose to deposit money after the current credit card bill is issued.

in this way, even if you deposit more money into your credit card, you can use these overpayments to offset the current credit card bill. Moreover, since the credit card consumption is made after the billing date, the credit card bill for this consumption will not be issued until next month. In this way, the cardholder has an extra interest-free period of one month.

if the cardholder does not have enough cash, the cardholder can also choose to apply to the bank for a temporary credit card limit. Cardholders only need to operate in the bank's credit card management center to apply for a temporary limit. The temporary line that has been consumed will be included in the next credit card bill.

It should be noted that the temporary credit line applied by the cardholder has a validity period ranging from one to three months. After the validity period expires, the unused temporary credit line will become invalid.

The credit card limit is not enough. You can deposit some money before paying, depending on how much you need to pay, and save the difference.

the money deposited is called overpayment;

Credit cards are generally not recommended for deposits, and high handling fees are required to take out overpayments;

Generally, it is between 1% and 3%, with different standards among banks;

if there is overpayment in the credit card, the overpayment shall be deducted first, and then the consumption limit shall be deducted.

Overpayment:

Overpayment refers to the funds overpaid by credit card customers or the funds deposited in credit card accounts. To take out the overpayment, we need to pay a certain amount of fees from Haoda Tongkun.

This sum can increase the available credit card limit or be directly used for consumer repayment;

If there is overpayment in the credit card, the overpayment will be deducted first, and then the credit line will be deducted. If the overpayment is greater than the consumption amount, there will be no overdraft:

Overpayment does not bear interest.