The limit is calculated by charging money to the credit card.

If you deposit money into the China Merchants Bank credit card, the limit can be increased, and the deposited "overpayment" will be used first for payment.

① This amount can increase the available limit of the credit card, or be used directly for consumption repayment;

② If there is an overpayment on the credit card, the overpayment will be deducted first, and then If the credit limit is deducted and the overpayment is greater than the consumption amount, it will not form an overdraft;

③ For example, if 900 yuan is required to be repaid in this period, and the actual repayment is 1,000 yuan, the excess 100 yuan is the overdraft. ;

④ If you deposit money into your credit card in advance without consumption, you cannot withdraw this money. If you want to withdraw it, you will be charged a high fee, so you should try to avoid it. ;

⑤ Overpayment does not accrue interest.

As for the issue of handling fees for "overpayment" of cash withdrawals by credit card holders, the charging bank stated that although the credit card holders withdraw their own money, it takes up the relevant resources of the bank. Credit card processing is cumbersome in terms of deposit and withdrawal accounts, and credit cards are used to encourage customers to spend, not for cardholders to use them as savings accounts, so the charges are reasonable.

Moreover, "overpayment" does not include interest. In other words, there is no benefit to "recharging" your credit card in advance and then spending it. If the cardholder wants to increase a certain credit limit, he or she can apply for a temporary limit from the bank's customer service center. There is no need to rely on "overpayment" to increase spending power.