saving money in a credit card is also a way to increase the available credit card.

For example, in JD.COM, you swipe your credit card to buy a computer, but the available credit card amount is only 3, yuan, while the computer price is 5, yuan.

If you pay directly by credit card, you can't make a successful transaction because you are short of 2, yuan, so you transfer money through a debit card, transfer 2, yuan into the credit card, and then purchase successfully.

Therefore, when the credit card limit is insufficient, people can also swipe their cards by depositing money into the card. As for how to deposit money, it's up to you. You can deposit money on your credit card directly at the ATM.

Main features of credit card:

1. Credit card is one of the fastest-growing financial services, which can replace traditional cash circulation in a certain range;

2. Credit cards have both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also obtain certain loans from card issuers by using credit cards;

3. Credit card is a high-tech product integrating financial business and computer technology.

4. Credit cards can reduce the use of cash currency;

5. Credit card can provide settlement service, which is convenient for shopping and consumption and enhances the sense of security;

6. Credit cards can simplify the collection procedures and save social labor;

7. Credit cards can promote commodity sales and stimulate social demand.

Credit card processing needs to meet the following conditions:

1. First, citizens over the age of 18 with civil capacity are required.

2. A stable income is required, and proof of income is provided, which proves the repayment ability and is used for reference in setting the credit card limit. If you have successfully applied for a credit card, you can apply for a card with a card, and the process will be much easier.

3. Personal credit information should be good, with no bad records.

4. Whether you can successfully apply for a credit card is also related to your occupation, such as security guard, self-employed, farmer and so on. However, Xiao Bian learned that some banks have launched "Huimin cards" for farmers.

generally speaking, a stable job is a necessary condition for successfully applying for a credit card. Of course, this is not absolute. For example, many universities now have card business specifically for college students. This is unconditional credit card processing, and college students only need to bring their personal documents and student ID cards to the bank for processing.

6. To receive a card in the name of an individual, people from other places and overseas and officers in active service should present a temporary account issued by the local public security department or a certificate issued by the relevant department, and must provide a guarantee unit with guarantee conditions or a guarantor with a local account and working in the local area.

Main types

According to different card issuers, it can be divided into bank cards and non-bank cards

Bank cards. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or withdraw cash at any time at all branches of the issuing bank or places with ATMs.