The main purpose of credit cards is not cash transfer, but consumption tools. Its design does not support the direct transfer of funds in the card to the cash account of the bank card. Usually, you can withdraw cash within the credit card limit, but this is usually 5% of the credit limit, not a transfer. In fact, the function of credit card goes far beyond this. It usually includes diversified services such as shopping, transfer settlement, savings, micro-credit, remittance settlement and installment payment.

Shopping consumption is the most basic way to use credit cards. When you buy goods or services, if the consumption exceeds your account balance, the bank will allow you to overdraw within a certain limit. This overdraft is used as a short-term credit, not as a transfer. Therefore, although credit card is very convenient in daily life, its transfer function is not its core feature.