Current location - Trademark Inquiry Complete Network - Overdue credit card - Can I still make money when my credit card is full? Be careful there will be risks!
Can I still make money when my credit card is full? Be careful there will be risks!
As we all know, credit card approval will give you a quota, within which you can overdraw consumption and withdraw cash. If you use the quota to repay the arrears, it will become a full quota. Many people want to know if they can still make money when their credit cards are full. Will there be interest? Today, I will give you a brief introduction to the related content of full credit card payment. can I make money when my credit card is full? If you can make money, the cardholder can deposit money directly through ATM or mobile banking, because there is no debt in the card, and the money entered will become an overpayment. For example, the cardholder's credit card has a full amount of 3, yuan, and then 1 yuan is paid into the credit card, which is the overpayment and belongs to the cardholder's own money. Obviously, it is also a truth for bank cards to deposit money when the credit card is full, but there are also differences, one is interest and the other is expenses. For example, saving money with a bank card will calculate interest according to the dynamic interest rate of the central bank, and it will be settled once a month, and no matter how it is used, there will be no cost; There is no interest on saving money by credit card, and there may be a handling fee for withdrawing cash. Therefore, it is better for everyone not to put money into the credit card when the credit card is full. When repaying the credit card, it is best to pay as much as you owe, not a penny, especially after repayment, you may not use the card for a long time, which can reduce the risk of overpayment and bad debts of the credit card. After all, there are many bank credit cards that have overpaid and have not made any transactions for more than 18 days, which are likely to be reported to the central bank's credit information system as bad debts. Although it is not due to money, this record is also not conducive to the subsequent processing of credit cards and loans. The above is the introduction of "Can I still make money when my credit card is full?" I hope it will help you.