Putting money in a credit card is the repayment of the credit card. But unlike debit cards, no matter how much money you deposit in a credit card and how long it lasts, there is no interest. Not only that, if you want to withdraw the money from the deposit, most banks will charge an overpayment to get back the handling fee. The so-called overpayment refers to the overpayment of funds by credit card users or the funds deposited in credit card accounts, and a certain fee must be paid when they take them out. Simply put, there are some deposits in the credit card that exceed the bills that should be repaid, and there is a charge for taking them out.

It is recommended not to do this, because the money taken out and put in has to be paid a handling fee, and the bank does not distinguish between its own money and the overdraft bank's money.

Extended data:

Compared with ordinary bank savings cards, the most convenient way to use credit cards is for ordinary consumption, and there is no cash in the cards. In many cases, it is enough to return the consumption amount on time.

You can spend without deposit overdraft, and enjoy an interest-free period of 20-56 days to repay on time without any charge (most banks will charge 0.5% interest on the day of cash withdrawal, and there will be a 2% handling fee, but ICBC will only charge interest).

It is not only safe and convenient to swipe your card when shopping, but also a bonus gift. Special merchants who hold cards in banks can enjoy preferential treatment.

Accumulate personal credit, add credit records to credit files, and benefit for life.

Access to the whole country is barrier-free, and you can withdraw money or spend money by credit card on ATM and POS machines with UnionPay logo; (Note: Credit cards are only suitable for credit card spending. It is best not to withdraw cash, which is expensive and uneconomical. )

Credit card spending, some credit cards get existing points, and various discounts and lottery activities throughout the year, so that you can always have surprises as long as you use the card; (Most credit cards have no points for online payment, but online payment is very convenient and fast. )

Mail the statement free of charge every month, so that you can grasp every consumption expenditure transparently; (Now advocating environmental protection, you can cancel the paper statement and change it into an electronic statement. )

Unique supplementary card function, suitable for husband and wife to jointly manage money or master children's financial expenses.

The free choice of one card and two currencies is popular all over the world, and consumption abroad can repay in RMB.

References:

Baidu Encyclopedia: Credit Card