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, in which the account number is credit card and the account password is credit card consumption _ cash withdrawal password, and enter the additional code according to the right box.

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%.

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 money by credit card?

You can transfer money. There are two types of credit card transfers:

1, 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%.

2. Direct credit card transfer 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.

Extended data:

Credit card withdrawal interest is also calculated on a daily basis, and there is no interest-free period. The interest is calculated from the day of cash withdrawal, and the interest is also calculated on a daily basis, which is so high as to miss the penalty interest on the repayment date.

However, it is recommended to deposit a small amount of assets in the credit card in case of emergency, because the funds in the credit card have no current interest. Even more deadly, many bank credit cards will charge a handling fee even if you have cash in your card. So you'd better take a bank savings card with you and leave some cash in it.

There are few places where large amounts of cash are spent, and credit cards can usually be used for spending, and credit cards have interest-free periods.

Can I transfer money by credit card?

Under normal circumstances, you can't transfer money directly by credit card. If you want to transfer money by credit card, you can withdraw cash by credit card, but this method not only pays a certain handling fee, but also pays five ten thousandths of daily interest. Another way is to overpay the transfer by credit card, and also charge the transaction fee.

Two ways to realize credit card transfer:

1. The first way is to borrow cash in advance: transfer money by credit line of credit card. Under normal circumstances, the bank will charge 1% of the transfer amount as a handling fee, and interest will be generated on the day of withdrawal. Interest is generally calculated at five ten thousandths.

2. The second way is through overpayment: transfer money by overpayment, without paying interest, but still charging a transfer fee. The charging standards of different banks are different, and the specific situation still depends on the regulations of the issuing bank.

First, if the credit card cannot be transferred, it is probably due to the following reasons:

1. The transfer amount has exceeded the overdraft withdrawal limit stipulated by the issuing bank. For example, China Construction Bank stipulates that the daily limit of mobile banking and personal online banking channels is 20,000 yuan, and the monthly limit is 50,000 yuan.

2. The cash withdrawal amount in the card has been completely withdrawn, but the customer has not repaid, so there is no cash withdrawal amount in the current card, so it is naturally impossible to transfer money. However, as long as the customer repays the loan on time and then restores the quota, the transfer can be operated.

3. The card status is different, and the magnetic stripe/chip may be damaged; Or the account is frozen by the issuing bank, resulting in temporary unavailability. If there is something wrong with the receiving bank card, the transfer cannot be successful.

4. Credit cards cannot be transferred to each other. Customers who want to transfer money can only transfer it to a savings card, which is actually equivalent to borrowing cash in advance.

5. The online banking/mobile banking system is busy and is being repaired due to failure.

6. The operation speed is too fast, resulting in timeout.

7. The network connected to the device is not good.

2. Does credit card transfer count as consumption?

Different banks have different regulations on whether credit card transfer is considered as consumption. According to the definition of credit card consumption rights and interests: CITIC Bank credit card (except for new network co-branded card, Guangdong card and I Platinum card, etc.). ) All of them are RMB 65,438+0 yuan or HK$ 65,438+0 yuan with 65,438+0 points. If you spend or withdraw US$ 65,438+0 or Euro, you can accumulate 8 points, and the gold or platinum card points will be calculated twice. However, most banks do not recognize credit card transfer or credit card withdrawal as consumption. Industrial and Commercial Bank of China and China Merchants Bank clearly pointed out that cash withdrawal and transfer by credit card are not consumption, nor can they accumulate points. Credit card consumption behaviors not clearly recognized by Bank of Communications and China Construction Bank include transfer transactions, cash withdrawal transactions and some online transactions.

3. Can I transfer money and pay back my credit card?

Transferring money to a credit card is repayment, so if there is a debt on the credit card, the cardholder can transfer money to repay it. At present, cardholders can transfer money to credit cards through online banking, ATM machines, bank counters and third-party payment platforms. It should be noted that if there is no debt on the credit card, the transfer to the credit card will become overpayment. However, if the cardholder does not use the credit card for a long time, resulting in excessive repayment, it will become a bad credit card for too long. Therefore, when transferring money to a credit card, the cardholder should first check the amount owed by his credit card to avoid transferring more money.

Please click to enter the picture description (maximum 18 words).

Can I transfer money by credit card? Let's stop here.