Interest on credit card and overdraft different?

[doubletrouble]

It works on billing cycles. 1 billing cycle is the period between statements being generated (e.g. 25th to 25th). When you make a purchase with your card, you are given the remainder of the current billing cycle and the whole of the next one (hence the "up to" 55 days interest free) to pay off that amount completely before you are charged interest on it. If you have not paid it off completely by that time, you are charged interest from the date of the purchase based on the outstanding amount per day. This is to encourage people to actually use their credit cards to make purchases which the bank/card agency gets a fee for.

Transfers out of the account or cash withdrawals are not counted as purchases and attract interest immediately.

ok thank you. So if I earn 10k and I owe 10k on my card, I can pay the 10K to my credit card and then just use my credit card as my main card?