Generally, a new credit card needs to be activated, and its account information will be displayed in more detail after several transactions. In that case, you should have never bought anything with a credit card, that is to say, the credit card is not overdrawn and its original account balance is 0; When you transfer 500 yuan to a credit card account, the interference deposit from 500 yuan will be added to the credit card account, so the available balance in the account is displayed as 500 yuan, and there is no handling fee for withdrawing this 500 yuan. However, it is worth noting that the interest on saving money into a credit card is very small. It's better to open an extra debit card from Zhang Zhongxing, and deposit it with a higher interest rate. In addition, if you want to repay your credit card, you can use a debit card to handle it at the ATM of China Bank. After entering the account password, press the credit card repayment menu, and then enter the repayment account number, account name and repayment amount according to the prompt.

The above is my experience in using credit cards. I hope it will help you ...