There is your deposit in the credit card. If you ask to pay more, it can offset your consumption, but the money stored in the credit card has no interest at all. If you want to withdraw cash from your credit card, you have to pay a certain percentage of handling fee to the bank, and every bank is similar.

It is said that some banks don't charge fees. It may be a regional commercial bank.

I think it is dangerous to use credit cards. Since I used it, I have obviously spent more money than before.

Credit cards at that time were purely for points. At that time, I thought, anyway, paying in cash and using a credit card is also my own money. But it's not like that at all It's hard to control your desire to shop with a credit card. There is even a growing trend. Actually, I used to use a savings card quite well.