1. How to transfer money to others with a credit card:

Currently, credit cards do not have the transfer payment function.

2. Things to note when using credit cards:

(1) Do not use the minimum repayment amount

If you can repay the loan in full, do not use the minimum payment amount. Repayment amount. Although it can avoid a bad credit record, additional interest will accrue on the unpaid portion.

(2) Try to avoid using cash withdrawals and credit card installments

The handling fees and interest for cash withdrawals are too high. Unless you are very, very urgent and have no other choice, we do not approve of credit card withdrawals!

The installment interest rate of credit card is also very high. Even if it is interest-free, the installment fee is not cheap, so you should use installment with caution! However, appropriate application of installment services can help increase your balance.

(3) Do not deposit money into a credit card

Depositing money into a credit card is called overpayment. Generally, a handling fee is required for withdrawing overpayment from a credit card.

(4) Remember the billing date and repayment date, and grasp the best time to swipe your card

Most credit card repayment dates are 20 or 25 days after the billing date. If you swipe your card the day after the statement comes out, the interest-free period will be the longest. If you swipe your card the day before the statement comes out, the interest-free period will be the shortest.

(5) If you swipe the card more times, the annual fee will be waived; if you repay on time, you can increase the limit

Most credit cards will waive the annual fee as long as you swipe the card six times. Frequent swiping of credit cards, diversified consumption, on-time repayment, and maintaining good card usage records can all increase your credit card limit.