How to Add Money in Credit Card?

Credit Card
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Will you help me know how to add money to credit card?

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Honestly, you cannot add money to a credit card like topping up a wallet. A credit card is a borrow now, pay later tool. The bank gives you a limit; you spend, and you receive a bill that must be paid by the due date to restore your limit.

Money flows back into a credit card in three main ways:

  1. First, bill payment. I pay via net banking, UPI, NEFT, cheque, or at a branch to clear outstanding amounts. That frees credit.
  2. Second, refunds. If I return an item, cancel a service, overpay, or spot a fraudulent charge, the bank or merchant credits the amount back. If I have already paid, it reflects as a credit or negative balance, and the bank may refund it to my account.
  3. Third, balance transfer. I use this to move dues to another card or opt for bill rotation, where one card pays another. This option can carry fees and affect my credit score, so I use it sparingly.

So, the bottom line is, you cannot load cash onto a card. Paying bills, refunds, and careful balance transfers are how money flows back into it.