1, which is illegal. Because credit card and debit card are two different cards, the applicable rules are different. Generally, there is a handling fee for credit card deposits and withdrawals exceeding the amount payable. Debit cards have no overdraft function, and there is no handling fee for deposit and withdrawal.

2. Banks and units may be required to inform the detailed rules of card use in writing, so as to avoid the consequences that are beneficial to the contents of the bank terms, such as liquidated damages, late fees, penalty interests and handling fees, etc. caused by unclear rules.