If the available credit limit in the credit card is greater than the credit limit of the credit card itself, there is no need to repay after swiping the card. The extra money you pay in the credit card is overpayment, which can increase the available credit card amount and can also be directly used for consumer repayment.

If the credit card has overpayment, the overpayment will be deducted first, and then the credit limit will be deducted. If the overpayment is greater than the consumption amount, there will be no overdraft. There is no debt without overdraft, so there is no need to repay.

In addition, if you put the money in the credit card in advance and have no consumption, you can't get this part of the money. If you want to withdraw cash, you will charge a high handling fee and try to avoid it. Overpayment is interest-free.