the main function of a credit card is to overdraw consumption, and online transfer transactions cannot be made directly. Direct online transfer has the risk of cashing out, so it is restricted.

if you want to use the money in your credit card to transfer money to others, the cardholder needs to make a "cash withdrawal" transaction first, and then transfer the overdraft amount in your credit card to a savings card. There will be a handling fee of 1%-3% in this process, and interest will be charged from the day of the curve, with a daily interest rate of five ten thousandths.

credit card functions:

1. It is a credit certificate. Information such as overdue records and credit limits of credit card accounts will be recorded in the national personal credit information system. Cardholders can accumulate and increase the intangible assets such as credit, which is a useful support for cardholders to carry out other economic activities, such as applying for loans from banks.

2. It has the credit function. Credit cards can be spent first and repaid later. Consumption can enjoy an interest-free period of up to 5 days, and all the money can be paid off on time, which can exempt the interest on the advance made by the card-issuing bank for the cardholder.

3. installment payment is possible. When the cardholder uses the credit card to make a large amount of consumption, the bank will pay the consumer funds of the goods (or services) purchased by the cardholder in one lump sum to the merchant, and then let the cardholder repay the money to the bank in installments.

4. Be able to withdraw cash. The cardholder can withdraw the deposit in the credit card account or borrow cash in advance at the branch counter or ATM of the card issuer.

5. Enjoy the settlement function. Consumption by domestic and foreign merchants in the network, cash withdrawal at ATM and bank outlets, and transfer settlement.