1. Overpayment transfer: that is, the excess money in the credit card can only be transferred to the peer savings card in my name, and a certain handling fee is required, generally .5%-3% of the total amount.

2. Direct credit card transfer: it is equivalent to cash advance. You can transfer funds to the UnionPay card of any bank (not limited to your name) at the ATM of the designated bank in the designated city. In this case, the handling fee is usually 1% of the amount of each transfer, and the minimum fee is 1 yuan RMB per transfer; For overseas transfer, the handling fee is 3% of each transfer amount, and the minimum charge is 3 USD or 3 yuan RMB. At the same time, from the date of cash withdrawal to the date of settlement, the bank will charge interest at a daily rate of five ten thousandths and compound interest on a monthly basis.