In other words, can a credit card be used as a memory card? The answer is of course not. Credit cards are used to borrow money for consumption. Don't save money in it. This is a savings card. Too much deposit is called "overpayment", but it can also be used for credit card consumption.

Overpayment:

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

If the credit card has overpayment, deduct the overpayment first, and then deduct the credit line. If the overpayment is greater than the consumption amount, there will be no overdraft;

3 For example, 900 yuan needs to be repaid in this period, and the actual repayment is 1 1,000 yuan, and the extra 1 1,000 yuan is the overpayment;

If you put the money in your credit card in advance without spending it, you won't get this part of the money. If you want to take it, you will charge a high handling fee and try to avoid it.

Overpayment does not bear interest.

You should understand what this means. Never mix credit cards with bank savings cards.