Can I deposit money using a credit card if my credit card limit is not enough? Can. Adding money to a credit card is also a way to increase the available credit limit, and it is often done. I used a credit card on JD.com to buy a computer, but the credit card limit was only 3,000 yuan, and the price of the computer was 5,000 yuan. If I paid directly with a credit card, the transaction would not be successful because it was 2,000 yuan less, so I transferred the money to the credit card through a debit card. I transferred 2,000 yuan and the purchase was successful. Therefore, when you encounter insufficient credit card limit, you can also use the card by depositing money. As for how to deposit money, it's up to you. You can go directly to the ATM machine to deposit money to your credit card, or you can transfer money using a debit card.
However, there are also things to pay attention to when depositing money into a credit card. 1. Don’t save too much money. It’s best to spend it all at once. Otherwise, if you save too much money and don’t spend it all, it will become an overpayment. Not only will it not be deducted from the bill amount, but it will be withdrawn. There is also a handling fee required. 2. It is best to save money after the bill comes out. For example, if your current bill has come out and you have an arrears, and the money you deposited is greater than the amount of arrears, then you can offset the current arrears, and you don’t have to do it this month. No more repayments. And the amount consumed after the billing date will not be billed until the next month, giving you an extra month of interest-free period. The above is the relevant introduction to "Can I save money and use the card if my credit card limit is not enough?" All in all, if the credit card limit is not enough, you can indeed make purchases by depositing money into the card. If you cannot repay the full amount after swiping the card, you can also apply for installment repayment or minimum repayment.