1. If your credit limit is not high, your credit limit will not be much higher if you apply for a temporary credit limit increase.

2. The amount of money deposited in a credit card that exceeds the credit limit is called "overflow deposit". If the overflow deposit is withdrawn from an ATM machine, no matter which bank will charge a handling fee, because the ATM machine will not automatically recognize you. Did you withdraw your own money or the bank's money? However, the overflow deposit can be withdrawn through the branch counter without any handling fee.

The above two points are corrected and supplemented by the two people above.

Main topic: When traveling abroad, you can deposit a certain amount of cash into your credit card in advance, and it can be used normally abroad. The advantage of this is that you don’t have to go to the bank to exchange foreign exchange and save the trouble of carrying cash with you. So when swiping cards abroad, you can swipe UnionPay in some Southeast Asian countries, which is the best. In European and American countries, it is usually US dollars. When the card is swiped, the amount will be automatically calculated based on the exchange rate of ￥ to $ on that day. Then when the billing day arrives after returning to the country, the repayment amount in US dollars will appear.

There are three types of repayment:

1. If you have US dollars on hand, you can go directly to the outlet counter to make repayment

2. Use RMB to purchase foreign exchange at the outlet Repayment

3. If you don’t want to go to a branch because of the trouble, as long as there is enough money in the credit card for repayment, you can just call the credit card customer service number and be transferred to a manual agent and ask the agent to directly transfer the money from the card. The agent will help you with balance purchases and remittances.

This should be very detailed. If you still don’t understand anything, please leave me a message.