It is repayable to deposit money directly into a credit card. The money deposited in the credit card is called "overpayment", that is, the money paid by the customer or deposited in the credit card account can be directly used for consumer repayment. 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.

However, overpayment is different from savings deposits. Overpayment is used for credit card repayment or increasing the available credit card limit, not for saving money or earning interest. Therefore, if you want to withdraw the overpayment deposited in the credit card, the bank will charge a certain handling fee. At the same time, no matter how much money is deposited in the credit card, it will not generate interest.

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