This kind of card can transfer money to others, but there will be certain restrictions.

Users who need to use a credit card to transfer funds must have a debit card from the bank and have opened one of the phone banking, mobile banking, and online banking services. Moreover, some handling fees will be charged when using a credit card to transfer funds, and the cardholder needs to pay for this.

Some banks have regulations on the daily overdraft withdrawal limit for credit cards, such as a maximum daily transfer of 2,000 yuan. Please consult bank customer service for details.