Paying more is equivalent to adding a credit line to yourself. The calculation formula of credit limit after overpayment is = credit card limit-consumption limit-cash withdrawal amount-handling fee-interest+overpayment amount. If there is overpayment, some banks do not charge fees for local withdrawals, such as ICBC; Some banks do not charge fees for taking out some cards locally, such as CCB official cards. Most credit cards charge different fees. However, there is no handling fee for spending in the form of credit card (or withdrawing cash in disguise). The specific situation should be that you can consult the bank customer service of your credit card.

According to the landlord, you can pay 10 1000 yuan. If there is no overpayment, you can only pay 1000 yuan.