Credit cards can deposit money into them, and the amount deposited in credit cards is called overpayment. Briefly introduce overpayment:
1. Some banks will charge a handling fee for the overpayment of cash withdrawal, of which the handling fee of Agricultural Bank of China is 65438+ 0% of the cash withdrawal amount, the handling fee of Xingye and Ping An is 0.5%, and the peers of China Industrial and Commercial Bank, Construction Bank, Transportation Bank, People's Livelihood Bank and China Everbright Bank are exempt from handling fees;
2. The overpayment is accumulated on the credit line and will be used first when spending by credit card.
Overpayment in your card will not generate deposit interest.
Extended data
The advantages of credit cards are as follows:
1. You can spend money without overdraft, and you can enjoy an interest-free period of 20-56 days, and you can repay on time without interest.
2. It is not only safe and convenient to swipe your card when shopping, but also a bonus gift.
3. Special merchants who hold cards in banks can enjoy preferential treatment.
4. Accumulate personal credit, add a credit record to your credit file, and benefit for life.
5. National access is barrier-free, and you can withdraw money or swipe your card at ATMs and POS machines with UnionPay logo.
6. Credit card spending, extracting existing points from some credit cards, and various discounts and lottery activities throughout the year, so that you can always have surprises as long as you use the card.
7. Mail the statement free of charge every month, so that you can grasp every consumption expenditure transparently.
8. Unique supplementary card function, suitable for husband and wife to jointly manage money or master children's financial expenditure.
9. The free choice of one card and two currencies is popular all over the world, and consumption abroad can repay in RMB.
10.400 telephone or 5-digit short number with prefix of 9 provides 24-hour service, and loss reporting takes effect immediately, with zero risk of card loss.
1 1. It is known that the validity period of domestic credit cards is generally three to five years.
12. Use the third-party platform for business cooperation and provide preferential services for cardholders.
Baidu encyclopedia-credit card