There is no need to deposit money to apply for a credit card. Unlike a debit card, a credit card allows you to consume first and pay later. \x0d\　 You can deposit money into a credit card, but unlike a debit card, there is no interest for depositing money into a credit card, no matter how much or how long you deposit it. Not only that, if you want to withdraw the money stored in it, most banks will also charge a handling fee for overpayment withdrawal. The so-called overpayment refers to the funds that credit card users overpay when repaying or the funds stored in the credit card account. When withdrawing, a certain fee must be paid. To put it simply, if there is more money in the credit card than what should be paid back to the bill, you will be charged when you withdraw it. \x0d\　Although credit cards can save money, it is best not to deposit money into credit cards, otherwise you have to borrow money from it. \x0d\　Because there is a handling fee when you withdraw the money you deposited, the bank does not distinguish whether the money is your own money or the overdraft bank's money. In the end, you have no other choice but to swipe your card to spend. Of course, if you just want to earn more points, this is certainly possible.