You can deposit more money in your credit card. However, there is no interest on the overpayment in the credit card. In addition, in many banks, there is a charge for withdrawing cash from credit cards. Therefore, credit cards can't be used as savings cards, and it's not cost-effective to deposit money!

The following banks are exempt from overpaying fees.

1. At present, ICBC, China Construction Bank, Bank of China, Bank of Communications, Minsheng and other banks. I have overdrawn my credit card, and there is no handling fee at the counter of the local bank or ATM withdrawal. The local bank Shanghai Pudong Development Bank Credit Card Center stipulates that there is no handling fee for cash withdrawal;

2. The collection of credit card overpayment from any channel within the jurisdiction of Guangfa Bank is free. It is free for China Everbright Bank to withdraw money from the bank.

In addition to the above channels, the recovery of credit card overpayment will also involve the recovery cost of overpayment, such as:

ICBC and inter-bank collections charge 2 yuan for each transaction;

Construction Bank collects 1% from different places, with the lowest handling fee in 2 yuan and the highest in 50 yuan.