Credit cards can be used as bank cards to save money. You can ask the teller to deposit money at the outlet counter, or insert the card into the ATM to deposit money and transfer the money to the bank card.

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.

Precautions for saving money with credit card as bank card:

1. Unlike bank cards, banks that deposit money with credit cards do not pay interest. They may have saved money for two or three years without any interest. If they put it in a bank card, they 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.

Don't let the money go after you deposit it in the 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, and it may be treated as a bad debt by the bank and directly reported to the central bank for credit investigation, leaving a record of bad debts, which is much more serious than overdue.

In a word, credit cards can be used as bank cards to save money, but there will be great risks, especially if they are not used for a long time after saving money, which will easily lead to overpayment of bad debts. Unless the money is taken out to get rid of bad debts, you will never be able to do bank credit business in your life.