Agricultural Bank of China Sutong Credit Card can deposit and withdraw money, and the deposit is called "overpayment". If the card runs out of money, it is called "cash advance"

Overpayment:

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

② If the credit card has overpayment, the overpayment shall be deducted first, and then the credit line shall be deducted. 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 overpaid part;

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

⑤ Pay more interest-free.

Cash in advance:

① The amount of cash that can be borrowed in advance is 1/3 of the full amount of the credit line, and the sum with the total amount of the contracted account shall not exceed your credit line, and some banks have restrictions on the amount of cash borrowed in advance every day;

② Some domestic banks are limited to 50% credit line;

(3) within a limited amount, cash can be obtained quickly without any guarantee;

4 There is no interest-free repayment period for cash borrowed in advance by credit card, and interest is calculated from the day of withdrawal;

⑤ The interest rate of cash borrowed in advance is very high, with a daily interest rate of five ten thousandths;

The handling fee is very high. The general handling fee is above 1%, which is charged at one time.