The meaning of Guangfa credit card deposit is: the 9,000 you pay back. If the bill is 10,000, of course, 9,000 must be subtracted, and the rest is the bill you should pay.

Guangfa Credit Card is the first domestic standard credit card issued by China Guangfa Bank in 1995, and it is also the first credit card to achieve profitability. The card has a preset credit limit in accordance with international standards. Spend first and repay later. No pre-deposit is required. The credit limit can be used for overdraft consumption and cash withdrawal transactions.

The interest-free period for overdraft consumption can last up to 50 days. As long as you repay in full before the repayment due date specified by the bank, you can enjoy the interest-free period from the date of transaction to the date of repayment. Interest-free treatment until the maturity date. The repayment method is flexible, you can pay it off in full, or choose the minimum repayment amount, enjoy revolving credit, and manage your finances more freely.

1. Overflow deposit, also known as credit card's own deposit, refers to the "excess" money deposited by the cardholder when there is no overdraft on the credit card.

After recharging a credit card, there may be an "over-deposit" on the credit card, which is equal to the total deposit amount minus the amount owed in the issued bill. Most card-issuing banks will treat cardholders' withdrawals from their own deposits as overdrafts and charge a certain fee. Please pay attention to the following points:

1. Credit cards are not debit cards. Do not deposit money into credit cards. There is not much benefit in doing so except for a higher limit when swiping the card.

2. Even if you deposit money into a credit card before the final repayment date, it does not mean that there will be as much "excess deposit" as you deposit.

3. "Excess deposits" will not generate any interest. In other words, there is no benefit to "recharging" your credit card in advance and then spending.

4. Do not withdraw the "overflow deposit" easily. Generally, you only need to clear the account before canceling the card. In other cases, you can use the "overflow deposit" by directly swiping the card for consumption.

5. If the cardholder wants to increase a certain credit limit, he or she can apply for a temporary limit from the bank customer service center. There is no need to rely on "excess deposits" to increase spending power.

2. Credit card deposits refer to the money that enterprises deposit into bank credit card accounts in accordance with regulations to obtain credit cards. Refers to the amount of money that an enterprise deposits into a bank's credit card account in order to obtain a credit card. You can deposit cash with a credit card, but there is no interest on standard credit card deposits, and you need to pay a handling fee when you withdraw the deposited money (this situation is called overflow recovery). However, there are also some special cards with savings functions, so you must read the terms before applying for a credit card and be aware of them.