1. It's ok to deposit money, but after deposit, you can only use a credit card, and the deposit has no interest. Cash withdrawal is regarded as cash advance by credit card, and the handling fee is charged, but no interest is charged (provided that the cash withdrawal amount is within the credit card deposit limit), and according to the regulations of the People's Bank of China, credit cards (debit cards) can only withdraw 2000 yuan or equivalent RMB foreign currency every day. For example, China Merchants Bank credit card.

2. Interest-free deposit is equivalent to interest-free debit card. For example, ICBC credit card.

Suggestion: It is not recommended to use credit card or debit card as savings card (or debit card). There is no interest, which may cause other expenses, and there are many restrictions on withdrawal. At present, many banks do not charge for opening savings cards, and deposits above a certain amount are exempt from annual fees. It is suggested that it is more convenient and cost-effective to deposit money with a savings card. Because since it is a credit card, of course, it is mainly based on loans.

I hope you can understand what this means, and try not to use credit cards to save money in the future.