If the credit card has overpayment, the overpayment shall be deducted first, and then the credit line shall be deducted. If the overpayment is greater than the consumption amount, there will be no overdraft. For example, if 900 yuan needs to be repaid in this period, the actual repayment is 1 1,000 yuan, and the extra 1 1,000 yuan is the overpayment.
If you put the money in your credit card in advance without spending it, you won't get this part of the money. If you want to withdraw cash, you will charge a high handling fee and try to avoid it. Overpayment is interest-free.
In fact, banks do not encourage cardholders to recharge their credit cards, because credit cards use the mode of spending first and then repaying. Therefore, the bank stipulates that a certain handling fee should be charged for the overpayment. At the same time, the handling fee for cash withdrawal of credit card overpayment varies from bank to bank. You can call the customer service phone of the bank for consultation.