From the bank's perspective, credit cards and bank cards are not exactly the same. In this way, after the cardholder transfers the money to the credit card, not only will the transfer not generate interest, but some handling fees, such as handling fees and management fees, will also be charged when canceling. However, cardholders do not have to worry, as the money transferred to the credit card will not cause any property damage.

What should I do if I transfer more money to a credit card?

If you transfer more cards, you can directly use the card to make purchases, so there will be no cash withdrawal fees. In addition, cardholders can use the transferred money to pay off their next credit card debt. Cardholders only need to pay on the next bill date and then deposit the remaining bill amount into the account.

If the cardholder needs cash urgently but is unwilling to pay the withdrawal fee. Then use the extra money to help your friends pay off their credit card debts, and then give them cash directly. If the cardholder deposits too much money into the credit card, he can find a few more friends to avoid the handling fees for withdrawing the overpayment.

Now, according to the regulations of the card-issuing bank, if you transfer an extra amount to a credit card, the excess money will be an overpayment. We all know that there are procedural fees associated with withdrawing cash overflow contributions or cashing out a credit card. Every time a cardholder makes a purchase, this part of the overpayment will be deducted first, and then the credit limit will be deducted after consumption.