Strictly speaking, credit cards can't be transferred without settlement function. If you can transfer money, you must withdraw it first and transfer it out through other channels.
At present, the maximum daily withdrawal amount of CITIC Bank's credit card is 2,000 yuan. If your withdrawal amount is 3000 yuan, it will take you two days to withdraw 3000 yuan.
Why can't I transfer money when I have money on my credit card?
If it is a credit card of China Merchants Bank, you can transfer it to my debit card and count it as cash withdrawal.
The handling fee for domestic RMB cash advance is 65,438+0% of each cash withdrawal amount, and the minimum handling fee is 65,438+00 RMB for each cash withdrawal; The handling fee for overseas cash withdrawal is 3% of each cash withdrawal amount, and the minimum charge is USD 3 or 30 yuan RMB (USD 5 or 30 yuan RMB for American Express Card-Centurion Black Gold Card and American Express Card-Centurion Platinum Card). There is no inter-bank handling fee for cash advance.
Cash borrowed in advance does not enjoy interest-free repayment. From the date of withdrawal to the date of settlement, interest will be charged at the daily rate of 0.5 ‰, and compound interest will be charged on a monthly basis. PS: The handling fee for cash advance by credit card does not generate interest.
Can I transfer money by credit card?
Credit cards can be transferred to bank cards.
Credit card transfer is equivalent to cash advance (withdrawal), which mainly provides cardholders with small cash loans. Cardholders can obtain funds by withdrawal or overdraft transfer without pre-deposit.
Cardholders can transfer money to UnionPay cards of any bank (not limited to their own names) on ATM machines. You can also transfer money to my debit card through online banking, mobile banking and telephone.
Extended data
Fees and interest are charged according to the following standards:
1. handling fee: the handling fee for RMB cash advance in China is 1% of each cash withdrawal amount, and the minimum fee is 10 RMB; The handling fee for overseas cash withdrawal is 3% of each cash withdrawal amount, and the minimum charge is USD 3 or 30 yuan RMB (USD 5 or 30 yuan RMB for American Express Card-Centurion Black Gold Card and American Express Card-Centurion Platinum Card). There is no inter-bank handling fee for cash advance.
2. Interest: prepaid cash does not enjoy interest-free repayment. From the date of cash withdrawal to the date of settlement, interest will be charged at a daily rate of 0.5 ‰, and compound interest will be charged monthly.