Suppose your credit card limit is 6,543,800 yuan.

1. If you don't spend all of it, the available amount is still 1 10,000 yuan. If you don't spend it for one year, you will be deducted from the annual fee of several tens of yuan.

2. If you deposit 10000 yuan into a credit card, the available amount will become 20000 yuan, but the deposited 10000 yuan will have no interest after a few months.