Yes, but there is no need to do so, because although the credit card has a savings function, the money in the credit card does not accrue interest.

If you need to swipe a card, or the amount you need for shopping is greater than your credit card limit, you can choose to charge some money to your credit card, increase the limit in this way, and then complete the payment. This limit cannot be regarded as a credit card limit, it can only be regarded as your own savings, and this data will not generate interest. If your credit card bill has not been paid off, you will also need to pay the credit card processing fee and service fee.

1. You can first deposit some money in a credit card and then use the credit card.

Let me give you a casual example. If your credit card limit is 5,000 yuan, and the amount you need to pay by swiping your card is 7,000 yuan. You can choose to transfer 2,000 yuan to your credit card, so that the credit card limit will reach 7,000 yuan. The excess 2,000 yuan will not become your fixed limit or temporary limit. After you swipe your card to make a purchase, your credit card limit is still 5,000 yuan, and your credit card bill is also 5,000 yuan.

2. The credit card itself does not generate interest.

The main function of a credit card is overdraft consumption, so it is very different from a regular savings card. If the user has the need to save, the user can choose to save the money into a savings card. The current interest rate of a debit card is generally 0.5%, and the regular interest rate is generally between 1% and 2%. Credit cards do not generate interest and can only be used for overdraft consumption.

3. You can also choose the compound payment method.

In addition to offline payment, online payment methods basically include composite payment methods. You can choose to pay part of the amount by credit card and the other part by debit card or other channels. To a certain extent, if your consumption amount is already greater than your credit card amount, you can choose to increase your credit card limit to meet your daily consumption.