The purpose of the credit card for me is not to borrow money from the bank.
I have some international vouchers to redeem. The vouchers work by transferring the credit to the credit card. In simple words I need a credit card to deposit money online.
I would like to know:
- If I don't use credit card to borrow money or to pay bills or what ever do I still have to pay interest charges or fee?
- Is it possible that I can deposit money (voucher) without using my credit limit and withdraw the exceeding amount. If yes then what are the charges to withdraw via atm? Is there any limit?
- Related to above (2) instead of withdrawing cash can I transfer exceeded funds to x y z bank account? Is there any limit?
I would really appreciate if someone can give me answers quoting website links or something. I am poor in banking.