1. Ordinary bank cards can transfer money to credit cards
The main ways of transferring money are: online banking, ATM machines, bank counters and third-party payment platforms. Although you can transfer money to a credit card, there are restrictions. To transfer money by credit card, you must have a debit card of the bank and open one of telephone banking, online banking and mobile banking.
actually, a general savings card can transfer money to a credit card. If you want to use a credit card to receive money remitted to you by others, just provide the credit card number to others. The remitter will deposit money directly into the account or transfer money directly from the savings account with the card number provided by you. However, in general, the transfer to a credit card usually arrives on the second working day of remittance, which cannot meet the transfer demand of real-time arrival. In addition, according to the different regulations of each bank, the handling fee charged for credit card transfer is also different, and no handling fee is charged for peer transfer. It should be noted that the savings card can transfer money to the credit card, but the credit card does not have the ability to transfer money to the savings card, so it is even more impossible to transfer money to the credit card with the credit card.
Second, the use of saving money in a credit card
Some cardholders think that saving more money in a credit card account can at least deduct the minimum repayment amount next month. In fact, due to the system settings, the excess deposits have been deducted in advance when the new bill amount is generated. The cardholder needs to repay the final bill amount, and the minimum repayment amount is calculated from the final repayment amount, and this amount will not be deducted because there is a deposit in the previous period.
For example, if the amount you owed in the previous period was 2,3 yuan, you deposited 3, yuan in one lump sum, which was a full 7 yuan. The new account in this period is 15 yuan, so the banking system will deduct 7 yuan first, and the final bill amount is 8 yuan, and the minimum repayment amount is 8 yuan. Note that the 7 yuan saved in the previous period is not used to deduct the minimum repayment amount of 8 yuan, but directly deducted when the account is issued. To maintain a good credit record, you must deposit it in 8 yuan again.
It is totally unnecessary to deposit money in advance on a credit card, so it is better to automatically repay the money with an associated savings card. Moreover, credit card deposits do not bear interest, and you have to pay a handling fee to get back the overpayment, so try not to transfer money to the credit card.
Third, it is not recommended to transfer money to a credit card
If it is a credit card repayment, just click on the credit card repayment directly and then associate it with a savings card account. If it is not for repayment, it is meaningless to transfer money to a credit card. It is recommended not to transfer the money to the credit card unless it is repayment, because there is no interest on overpayment. When you transfer money to a debit card, the money has current or regular interest.
: The steps of transferring money from online banking to credit card are as follows:
1. Log in to the bank official website and click online banking to log in;
2. Fill in the correct user name and password to complete the login;
3. select transfer-peer/inter-bank transfer, fill in the payee information correctly, and click submit to complete the operation as prompted.