When the deposit is refunded, the money is directly transferred to your credit card, or returned to the overdraft limit of last month. If your quota is full, it is an overpayment. Next time you swipe your card, you will use this one first. You can also choose to take it out or transfer it to a savings card. But there are many banks that charge fees.

Extended answer:

Precautions for the use of credit cards:

Remember two dates of credit cards:

In the process of using credit cards, the two dates that credit card holders must remember are the billing date and the last repayment date.

billing date refers to the date when the bank calculates the monthly credit card transactions of credit card holders and issues bills;

the last repayment date refers to the last repayment date of the current bill by the credit card holder, and interest and other fees will be paid after the last repayment date.

bills sunrise bills let you know what you have spent in the last month and how much you need to pay back. The last repayment date lets you know the deadline for repayment. As long as the payable bill is returned before this date, it is normal use. Once the final repayment date is reached, it is very likely that there will be overdue risks, which will affect personal credit information.

don't exceed the credit limit.

Many times, in the process of using a credit card, some friends will forget their credit limit. The credit limit is also the total overdraft allowed by the bank for credit card holders. Once the credit limit approved by the card issuer is exceeded, you can no longer enjoy the interest-free treatment of credit cards. Therefore, in the process of using credit cards, we must keep in mind the credit card limit.

the minimum repayment amount is not easy to use.

The minimum repayment amount is for those who can't repay in full. Once the repayment is made according to the minimum repayment amount, the revolving credit of the credit card will be used, which means that the bank will charge interest on all the arrears from the billing date, that is, it can't enjoy the interest-free policy of credit card consumption.

use cash in advance carefully.

almost all credit cards have the function of "advance cash limit", which means that the total amount of cash that the bank authorizes you to withdraw is basically between 2% and 5% of the credit card limit, and it is counted as the credit limit.

however, it is usually considered irrational to withdraw cash by credit card. Because once you use the advance cash of a credit card, you not only need to pay the handling fee or the withdrawal fee, but also can't enjoy the interest-free policy of the credit card. From the day you withdraw the cash, you need to pay five ten thousandths of the daily interest and 18% of the annual interest.