However, if the repayment amount exceeds the bill amount, it has no effect on the card use.

Credit card overflow, also known as credit card self-owned deposit, refers to the "excess" money deposited by cardholders without overdraft.

Credit card "overflow deposit" may occur after the credit card is recharged, and the amount is equal to all deposits MINUS the amount owed in the bill. Most card-issuing banks will handle the overdraft withdrawal of their own deposits for cardholders and charge a certain handling fee.

Pay attention to the overflow deposit event:

1, the credit card is not a savings card, so don't save money on the credit card, except that the amount is higher when swiping the card, which is not very beneficial.

Even if you put money into your credit card before the final repayment date, there won't be as many "overflow deposits" as you have saved.

3. "Excess deposit" will not generate any interest, in other words, it is impossible to "recharge" the credit card in advance and then spend it.