can

First of all, in the latest credit card policy, credit cards can be transferred to bank cards, and there are two forms of card transfer:

1. Bank credit card transfer. You can transfer the credit card funds to the bank's savings card. The handling fee is about 1%, and the interest is calculated on the transfer day, with a daily interest rate of 0.05% and an annualized interest rate of about 18%. At present, basically all banks can do this, but the interest rate is relatively high.

2. You can recharge the credit card to the payment account and then withdraw it to the savings card. This function can only be completed by the payment company. Alipay's credit card recharge function has stopped, and Lu Shoucai, who cooperates with Yi Bei pay, can still do it. The handling fee is about 0.5%, and there is no interest. The disadvantage is that the daily quota is only 30,000 ~ Bank of Communications is not supported.

Can I transfer money by credit card?

Credit card can't transfer money directly, because the main function of credit card is to overdraw consumption in advance. But if you want to transfer money by credit card, you can use the following methods: one is to overpay the transfer, and the other is to withdraw cash by credit card.

1, overpaid transfer.

Overpayment refers to the extra money you pay when you pay back your credit card. This money can be used to transfer money, but it can only be transferred to a peer's savings card, and there will be a certain handling fee.

2. Withdraw cash by credit card.

This is equivalent to borrowing cash in advance, and you can transfer the funds to the UnionPay card of any bank (not limited to your name) at the designated bank ATM in the designated city. This kind of transfer, not only charges a handling fee, but also charges interest, and from the date of transfer, the daily transfer amount bears interest. Moreover, the general transferable amount is 50% of the credit line, and there is an upper limit every day. Most banks pay 2000 yuan a day.

Extended data.

1. Overpayment transfer process.

1. First download the China Construction Bank APP on the mobile phone, and then select to open the China Construction Bank APP on the mobile phone;

2. Apply for the homepage of CCB and choose to open a credit card;

3. On the credit card page, select Open Cash Transfer;

4. On the cash transfer-out page, select the overpaid credit card;

5. In the interface of selecting overpayment credit card. Select Transfer-out to Savings Card, enter the transfer-out amount, and click Next;

5. After verifying that the SMS verification code is correct, you can complete the operation process of transferring the overpaid part to the savings card.

Operating environment:

Brand model: iPhone 13

System version: iOS 15.0

Application version: 5.6.3.00 1

2. Withdraw cash at the bank counter.

Users can take a credit card to the bank counter, make a clear withdrawal application to the bank staff, and then enter the login password with the help of the bank staff to withdraw cash.

Third, ATM cash withdrawal.

Put the credit card ++ATM into the ATM, enter the transaction password of the credit card, select cash withdrawal, then enter the cash withdrawal amount, and finally press OK.

Can I transfer a credit card to a bank card?

You can transfer money. There are two kinds of credit card transfer, namely: overpayment transfer, that is, if you want to withdraw more money from your credit card, you can only transfer it to your own peer savings card, and it is not free, and you need to charge a certain handling fee, usually 0.5%-3%. Direct transfer by credit card is equivalent to cash advance. If the user has no disposable funds, but must transfer money, he can withdraw cash through a credit card, then deposit the cash in a debit card and transfer money. This kind of transfer, in addition to the handling fee, also charges interest, from the date of transfer, the daily transfer amount of interest. Moreover, the general transferable amount is 50% of the credit line, and there is an upper limit every day. Most banks pay 2000 yuan a day.

Consequences of overdue credit card bills: liquidated damages, usually the minimum repayment amount, 5% of the unpaid part. Interest is high, and it is rolling interest. When there are many debts, interest is scary. Overdue will tarnish the credit record, resulting in the inability to handle financial needs such as buying a house and lending in the next two years. Overdue for more than 3 months, the amount exceeds 1 0,000, and the bank has repeatedly reminded it to be unsuccessful. At that time, you will not only pay back the money, but also bear criminal responsibility.

First, the conditions for credit card to bank card, credit card can be transferred to bank card. If you want to transfer money to the bank card of the issuing bank, you need to apply for a debit card (that is, an ordinary savings card) of the bank, and then open one of telephone banking, online banking and mobile banking, so you can transfer the money in the credit card or advance the cash to the bank card. If you want to transfer money to another bank's card, you can go through the formalities in accordance with the relevant regulations of the bank and pay an extra handling fee. The process of transferring credit cards to bank cards, taking China Construction Bank as an example, requires the following processes: logging in to the website of China Construction Bank; Click "Online Banking Service; Click to open "online banking service; Confirm the customer service agreement; Enter personal data according to the prompt, where the account number is credit card++and the account password is credit card consumption _ cash withdrawal password. Enter the additional code according to the box on the right.

Second, the essence of credit card transfer is equivalent to cash withdrawal by credit card, so there will definitely be a handling fee. If it is an overpayment transfer, that is, the excess money in the credit card can only be transferred to the peer savings card under my name, and the handling fee to be charged is generally 0.5%-3% of the total amount. For cash advance transfer, the handling fee varies from bank to bank, but it is generally between 1%-3%.

This concludes the introduction of whether the credit card can be transferred out and whether the money can be transferred to the credit card again. I wonder if you found the information you need from it?