1. Credit cards cannot be used as savings cards, nor can they be transferred to other accounts on any platform unless the credit card transfer function is enabled at the bank counter.

2. Banks issue credit cards to facilitate people's daily consumption, and their main function is to be used in the field of consumption, not for the circulation of funds. They have different purposes and corresponding policies. There will be an interest-free repayment period of 30-50 days after consumption, and there will be no extra handling fee for full repayment at maturity; For cash withdrawal, interest is calculated from the day of cash withdrawal, and the handling fee is deducted immediately; If the credit card is used for fund circulation for a long time, the bank will doubt the user's credit and fund repayment ability, which will affect your credit card limit;

3. Credit card transfer to other accounts, no matter through which third-party platform, or even on the mobile banking or online banking of credit cards, is equivalent to using the cash payment function of credit cards. Just like cash withdrawal by credit card, there is a certain handling fee. For the rate, different banks have different credit card standards;