No, credit cards cannot be used to transfer money directly. The main function of a credit card is overdraft consumption. Although credit cards also have the function of withdrawing cash, cardholders cannot directly use credit card overdraft transfers. If they want to use a credit card to transfer money, they can only transfer the overdraft or withdraw cash from the credit card and then transfer, or Apply for a cash advance from the bank.

Credit card transfers can only be realized in the following two ways:

1. Overpayment transfer or credit card withdrawal and then transfer. You can also save money in a credit card account, but the funds deposited into the credit card are called overpayments. If there is an overpayment on the credit card, then this part of the money can be transferred to the cardholder's savings card account. Although the overpayment is The payment belongs to the cardholder's own money, but there is a handling fee for withdrawing this money, so it is generally not recommended that you deposit money into a credit card.

Credit cards have a cash withdrawal function, so if we want to use the credit card limit to transfer money, we can only withdraw the credit card limit through the bank's ATM machine, and then deposit it into the savings card account before making the transfer. Credit card cash withdrawals will not only charge cash withdrawal interest at a daily interest rate of 0.05, but will also incur cash withdrawal fees.

2. Apply for a cash advance from the bank. Many bank credit cards now have a cash advance function. Cardholders can apply for a cash advance. The bank will review the cardholder's cash advance application. After passing the review, a certain amount can be transferred to the savings provided by the user. card account, and then we can use the funds in the savings card account to transfer funds.