Credit cards can save money for consumption, and the deposit amount is "overpaid", which can increase the credit card limit at that time; You can apply for bill installment after consumption. The installment part does not include the "overpayment" part of the deposit, but only the inherent credit limit of the bank card.

Overpayment:

Overpayment refers to the overpayment of funds by credit card customers or funds deposited in credit card accounts, and a certain fee must be paid to take out the overpaid part;

This money can increase the available credit card limit, or be directly used for consumer repayment;

If the credit card has overpayment, the overpayment shall be deducted first, and then the credit line shall be deducted. If the overpayment is greater than the consumption amount, there will be no overdraft.

For example, 900 yuan needs to be repaid in this period, and the actual repayment is 1 1,000 yuan, and the overpayment is 1 1,000 yuan;

If you put the money in your credit card in advance without spending it, you won't get this part of the money. If you want to take it, you will charge a high handling fee and try to avoid it.

Overpayment is interest-free.