Can I transfer money with a credit card? What are the rules for credit card limits

Nowadays, people’s lives have changed a lot, and people’s payment methods have become more and more advanced. In the past, people went out You need to bring a lot of cash to meet your needs, but now people only need to bring their mobile phone keys and credit cards when they go out, so that they can meet their daily consumption needs. Swiping credit cards is a very common phenomenon in life, which greatly facilitates our daily life. Credit cards actually have a lot of functions. Some friends would like to ask, can I transfer funds with a credit card? What are the regulations on the credit card limit?

Can I transfer money by credit card?

It is possible to transfer money, but there may be handling fees or other restrictions. According to the bank's regulations, to make a credit card transfer, you must have a debit card from the bank and open one of telephone banking, online banking, and mobile banking. After transferring and borrowing cash, cardholders must pay for it and pay related fees. Interest of 0.05% is charged every day, and relevant handling fees are also charged. So credit cards can transfer money, but there is a limit and the handling fee is not low.

If you need to transfer money, open online banking for your credit card. Here are the general steps: Take China Construction Bank as an example. Online registration can only be done after you have opened a card and set a consumption_cash withdrawal password. .

What are the regulations on credit card limits?

The cumulative upper limit of daily cash withdrawals per card for domestic UnionPay lines is 10,000 yuan, and the cumulative upper limit for daily cash withdrawals for each card for overseas UnionPay lines is the equivalent amount. 10,000 yuan. The single transaction limit for cash withdrawals through ATM channels is subject to the ATM machine used.

Including mobile life, mobile banking (including pad banking), and customer service telephone voice system, the daily cumulative amount per card shall not exceed RMB 5,000. The daily accumulated amount per card of online banking (public version, professional version) shall not exceed RMB 2,000. Among them, the cash withdrawal and overdraft transfer limit is generally 50% of the credit limit (100% for the youth version of the young card).

Generally speaking, you can withdraw cash by transferring money with a credit card. The daily limit is 2,000 yuan. The handling fee is 1% of the transfer amount, with a minimum charge of 10 yuan. In addition to the procedures, transfer fees will also be charged daily. Interest of 0.05% of the amount.

The above content is an introduction to whether credit cards can be used to transfer money, and what the limit of each order is. Nowadays, credit cards are used very frequently. When we use bank cards to transfer money, we are usually reminded that we can only transfer a maximum amount at one time and how many times we transfer in total every day. So there is a lot of knowledge about credit card transfers that my friends do not understand and do not know. What is the limit for each limit? In fact, each bank has different regulations on credit card transfer limits, so you must go to the bank where you need to go through the procedures to learn more about it.

Is there a limit to the credit card transfer limit? What is the maximum amount for a single transaction?

When we use a bank card to transfer money, we will usually remind you that you can only transfer up to a maximum amount at one time, and you can only transfer a maximum amount per day. So, for credit card transfers, we also want to know whether there is a limit and what is the maximum single transaction. Today, let’s introduce these issues to you in detail.

Each bank has different restrictions on credit card transfer limits. Today, we will take China Merchants Bank as an example to introduce to you the general limits for credit card transfers.

1. Daily limit for CMB credit card transfers

The cumulative upper limit of daily cash withdrawals per card for domestic UnionPay lines is 10,000 yuan, and the cumulative upper limit for daily cash withdrawals for each card for overseas UnionPay lines is equal to Worth 10,000 yuan.

The single transaction limit for cash withdrawals through ATM channels is subject to the ATM machine used.

2. The daily limit for overdraft transfers of China Merchants Bank’s credit cards

Including mobile banking, mobile banking (including PAD banking), and customer service telephone voice systems, the daily cumulative limit for each card shall not exceed RMB 5,000. . The daily accumulated amount per card of online banking (public version, professional version) shall not exceed RMB 2,000.

Among them, the cash withdrawal and overdraft transfer limit is generally 50% of the credit limit (100% for the youth version of the young card).

In summary, this is the introduction to the credit card transfer limit.

You can apply for various credit cards safely and quickly.

How to limit transfers with CCB credit cards

1. There is a limit for bank card transfers.

2. The maximum amount that can be transferred on the same day at the bank's self-service machine is 50,000 yuan. For transactions of more than 50,000 yuan, you need to handle it at the counter and present your valid ID.

3. If you transfer money on behalf of others, in addition to the depositor’s ID, you also need to show the agent’s valid ID.

In our daily lives, we often sign up for mobile banking, online banking or quick payment services for bank card accounts. Through these methods, users can independently operate bank card transfer transactions, but banks Card transfers often have limit limits. Then if the bank card reaches the limit, you should transfer money like this: After the bank card reaches the limit, you have to continue to handle the transfer business. There are two solutions.

The first is to bring your bank card and ID card directly to the bank branch counter to handle the transfer business. There is often no limit for transfers at the bank branch counter, but the business procedures are relatively troublesome;

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The second is for users to bring their bank cards and ID cards to bank business outlets to modify their bank card account limits. Of course, modifications can only be made within the maximum limit set by the bank. If the maximum limit of the bank has been exceeded, The transfer limit cannot be adjusted even when going to a bank branch.

Of course, strictly speaking, if the bank card limit is exceeded, you can also choose to use other bank cards to handle transfers if there are sufficient funds in other bank card accounts.

Although adjusting the bank card transaction limit is also a good method, according to the "Notice on Improving Personal Bank Account Services and Strengthening Account Management", when opening payment accounts for units and individuals, you should contact the unit Sign an agreement with an individual to stipulate the daily cumulative transfer limit and number of transactions between payment account and payment account, payment account and bank account. If the limit and number of transactions are exceeded, no further transfer business is allowed. This means that it is likely that the amount cannot be adjusted after the limit is reached.

How much can be transferred with a credit card?

50,000 can be transferred.

The transfer limits of China Merchants Bank mainly include the following:

1. If it is an ATM transfer, the daily transfer limit is 50,000 yuan, and you can apply for an increase at the counter.

2. If it is an online banking transfer, the single limit is 30,000 yuan and the single-day cumulative limit is 50,000 yuan.

3. If it is a mobile banking SMS verification code transfer, the maximum single-day limit is 200,000 yuan. Users can apply for face-scanning transfers to handle large transfers of 200,000-1,000,000 yuan.

The daily transfer limit of China Merchants Bank’s mobile banking is divided into two situations:

1. Electronic bank transfer (that is, the original SMS verification code transfer): up to 1 million/transfer, 5 million/ sky.

2. UKEY verification code transfer: 500,000/day.

Note:

1) The maximum single transaction in inter-bank real-time transfer mode is 50,000 yuan;

2) If the transfer fails and is returned, it will also occupy the same day's transfer limit. .

3) If you open an account without an ID card (including a temporary ID card), the maximum limit for electronic bank transfer is 200,000/day.

There is no limit on the amount of money you can withdraw with China Merchants Bank Deposit Card at the counter. Large withdrawals require an appointment in advance. The maximum daily limit for withdrawals from ATMs is RMB 20,000.

The cash advance limit of a credit card is generally 50% of the credit limit (the cash advance limit of the youth version of the Young Card is 100% of the credit limit).

① The cumulative daily cash withdrawal limit for each card at domestic UnionLian Road ATMs is RMB 10,000; the cumulative daily cash advance amount for each overseas household shall not exceed the equivalent of US$1,000, and the monthly cumulative amount shall not exceed the equivalent of US$1,000. The credit card value is US$5,000, and the cumulative amount in 6 months does not exceed the equivalent value of US$10,000.

②The cumulative daily cash advance limit for the Financial Business Card ATM is RMB 20,000 (the daily cash withdrawal limit for the Wuhan Financial Business Card and Ruziniu Finance Business Card (regular card) is RMB 2,000).

③The daily limit for overdraft transfer cards includes mobile life, mobile banking (including PAD Bank), and customer service telephone voice systems. The cumulative overdraft transfer amount per card per day shall not exceed RMB 5,000.

The daily accumulated amount per card of online banking (public version, professional version) shall not exceed RMB 2,000.

The credit card overdraft cash withdrawal limit is set according to the cardholder's card usage, and the maximum limit does not exceed 50% of the cardholder's credit limit. The daily ATM cash withdrawal limit per person per card is 2,000.

1. Cash withdrawal with domestic and foreign credit cards

If there is a UnionPay logo on a domestic credit card, it means that the card has joined the China UnionPay organization. Cardholders can withdraw cash at any ATM with the UnionPay logo< /p>

Overseas In addition to Hong Kong, Macao and Taiwan, there are many countries where the UnionPay system is not popular, so most overseas cash withdrawals need to go through the international card organization channel. This depends on whether the card you hold is an international card. It is easy to identify international cards by looking at whether there are logos of credit card organizations such as Visa or Master in addition to UnionPay.

2. Credit card overdraft withdrawal

The limit of overdraft withdrawal is set according to the cardholder's card usage, and the maximum limit shall not exceed 50% of the cardholder's credit limit. One person per card ATM The daily cash withdrawal limit is 2,000. In addition to the cash withdrawal fees for credit card withdrawals, interest must be paid for overdraft withdrawals at home and abroad. Some banks can enjoy interest-free treatment.

Overpayment cash withdrawal is when the cardholder withdraws the funds stored in the card or the funds overpaid during repayment. Overpayment can automatically increase the available limit of the main card, but does not increase the available limit of the supplementary card. If there is a need to increase the available limit of an additional card, the cardholder should call the bank's telephone service hotline to apply.

3. Credit card cash withdrawal methods

Credit card cash withdrawals mainly include overdraft cash withdrawals and overdraft cash withdrawals. Overdraft cash withdrawals are small cash loans provided by banks to cardholders. Help cardholders flexibly allocate funds when they are in urgent need.

Cash withdrawal of overpayment refers to the funds that credit card customers overpaid when repaying or the funds deposited in the credit card account. A certain amount of handling fee is required to withdraw the overpayment. This amount can increase the available limit of the cardholder's credit card or be used directly for consumption repayment. If there is an overpayment on the credit card, the overpayment will be deducted first and then the credit limit. If the overpayment is greater than the consumption amount, there will be no overdraft.

This concludes the introduction to credit card transfer limits and credit card transfer limits. Have you found the information you need?