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 directly by credit card?

can

First of all, in the latest credit card policy, credit cards can be transferred to bank cards, and there are two forms of card transfer:

1. Bank credit card transfer. You can transfer the credit card funds to the bank's savings card. The handling fee is about 1%, and the interest is calculated on the transfer day, with a daily interest rate of 0.05% and an annualized interest rate of about 18%. At present, basically all banks can do this, but the interest rate is relatively high.

2. You can recharge the credit card to the payment account and then withdraw it to the savings card. This function can only be completed by the payment company. Alipay's credit card recharge function has stopped, and Lu Shoucai, who cooperates with Yi Bei pay, can still do it. The handling fee is about 0.5%, and there is no interest. The disadvantage is that the daily quota is only 30,000 ~ Bank of Communications is not supported.

Credit card transfer is possible, but there will be restrictions. According to the regulations of a bank, under normal circumstances, the daily cash withdrawal limit is 2,000 yuan, and the handling fee is charged at 1% of the cash withdrawal amount, with a minimum charge of 10 yuan. In addition to the formalities, interest of five ten thousandths of the cash withdrawal amount is charged every day.

For credit card transfer, you must have a debit card of the bank and open one of telephone banking, online banking and mobile banking. Cardholders must pay the bill and related expenses after transferring cash in advance. Charge five ten thousandths of interest every day, plus related handling fees.

Can I transfer money by credit card?

Credit card can transfer money, but it must be transferred by cash advance and overpayment, and cannot be transferred by overdraft limit.

1. advance cash: advance cash is equivalent to credit card withdrawal service. When transferring money by credit card, a handling fee of 1% of the transfer amount will be charged, with a minimum charge of 10 yuan each time. At the same time, interest will be generated on the day of cash withdrawal, and interest will be calculated according to five ten thousandths.

2. overpayment and overpayment: when overpayment and overpayment are used, 0.5% of the transfer amount will be charged as the handling fee, with the minimum charge of 10 yuan and the maximum charge of 500 yuan. There is no interest on this transfer.

Extended data:

Credit card cash withdrawal mainly includes overdraft cash withdrawal and overpayment cash withdrawal. Overdraft cash withdrawal is a small cash loan provided by banks to help cardholders flexibly allocate funds when they are in urgent need.

Overpayment cash withdrawal refers to the overpayment by credit card customers or the funds deposited in credit card accounts, and it takes some formalities to withdraw the overpayment. This amount can increase the available credit limit of the cardholder's credit card, or be directly used for consumer repayment. If the credit card has overpayment, the overpayment shall be deducted first, and then the credit line shall be deducted. If the overpayment is greater than the consumption amount, there will be no overdraft.

Can I transfer money by credit card?

You can't transfer money directly by credit card.

1. A credit card is a debit card. The overdraft limit in a credit card is a sum of money granted by the bank to encourage cardholders to spend by credit card. Transfer is not consumption, so it is not the basic function of credit card.

It is understood that the credit cards of ICBC, China Construction Bank, Agricultural Bank, China CITIC Bank and other banks can be transferred to their peers' savings cards, but they cannot be transferred across banks. Banks such as Bank of China, Bank of Communications, China Guangfa Bank, China Merchants Bank and Ping An Bank can transfer credit card overdrafts to peer savings cards, and support inter-bank transfer of credit card overdrafts. However, the inter-bank transfer fee for credit card overdraft is relatively high, and there are many restrictions when handling it.

2. Credit card transfer, like cash withdrawal, has a certain limit, and it also charges fees and interest; In addition, the overdraft transfer of credit cards needs to be handled through online banking or telephone banking, and cannot be completed at the bank counter or self-service equipment. Limit, handling fee and interest standard are the same as credit card withdrawal.

If the cardholder transfers money by credit card, the bank will charge five ten thousandths of interest every day, and a one-time handling fee of 1% will be charged according to the transfer amount. If the cardholder forgets to repay the loan, he will have to pay the overdue fine. The standard is 3% of the total overdue amount, and it is not lower than 30 yuan; If the cardholder prepays, he/she needs to pay the prepayment fee. The amount is 2% of the transfer principal, and the new functions enjoyed by credit card transfer are expensive.

Swiping a card on a POS machine is the most common way to use a credit card, and it is also a way to swipe a card online. When swiping a card, the operator should first check the validity period of the credit card and the cardholder's surname. Then, according to the issuing bank and the currency to be paid, select the corresponding POS machine, brush the magnetic stripe of the magnetic stripe credit card on the POS machine, or insert the chip credit card into the card slot, contact the bank and pay++,and input the corresponding amount.

After the remote payment++accepts the information, the POS machine prints a receipt (at least two copies) for payment by credit card, and the cardholder signs the receipt after checking that the information on the payment receipt is correct. After checking the signature on the receipt and the signature on the back of the credit card (including the complete name matching and the basic handwriting matching), the operator sends the credit card copy and the credit card payment receipt to the cardholder. At this point, the credit card swiping program on the POS machine is completed.

Credit card transfer is possible, but there will be restrictions. According to the regulations of a bank, under normal circumstances, the daily cash withdrawal limit is 2,000 yuan, and the handling fee is charged at 1% of the cash withdrawal amount, with a minimum charge of 10 yuan. In addition to the formalities, interest of five ten thousandths of the cash withdrawal amount is charged every day.

For credit card transfer, you must have a debit card of the bank and open one of telephone banking, online banking and mobile banking. Cardholders must pay the bill and related expenses after transferring cash in advance. Charge five ten thousandths of interest every day, plus related handling fees.

Therefore, credit cards can transfer money, but there is a limit on the amount and the handling fee is not low. If you really need to transfer money, you can open online banking for credit cards. After the registration is successful, you can log in to the online bank of the credit card with your ID number, login password entered at the time of registration and the additional code prompted, so that the credit card transfer can be realized.

It is recommended not to transfer money by credit card, because it will generate many other expenses.

Disadvantages of using credit card to transfer money:

High cash withdrawal cost: credit card withdrawal not only requires handling fees, but also can not enjoy the interest-free period of normal consumption. Interest shall be calculated at 0.5 ‰ per day from the date of cash withdrawal, until the arrears are paid off.

Repayment requires full repayment: cash withdrawal is different from overdraft consumption, and it needs to be repaid in full on the repayment date, and cannot be repaid in installments or at a low price. If the user's repayment ability is limited and a large amount of cash is withdrawn by credit card, it is bound to be difficult to repay. .

There are two ways to transfer money from credit card to bank card:

1. If there is more money in the credit card, you can transfer the overpayment exceeding the credit card limit to the debit card of the same bank in your own name. A handling fee of 0.5%-3% is charged when transferring money, mostly 1%.

2. When the credit card has the cash withdrawal function and one of online banking, mobile banking and telephone banking is opened, you can transfer money to your debit card, but the maximum amount is only half of the credit card amount, and the daily amount is often only about 2,000 yuan. (If you can't find the transfer entrance in the above three ways, you can transfer money directly through ATM. )

Generally speaking, credit card transfer is not cost-effective.

First of all, there will be a handling fee of about 1% for credit card transfer, which usually starts from 10 yuan; Secondly, unlike direct consumption, which has an interest-free period, transfer is regarded as cash withdrawal, and interest is directly calculated at the daily interest rate of five ten thousandths from the date of transfer, with an annual interest rate of 18%.

The most important thing is that cash withdrawal and transfer cannot be made in installments, and they must all be paid off after the repayment date. Once overdue, in addition to the penalty interest, it will also affect personal credit information. In an era when credit is becoming more and more important, credit cards should be used reasonably. It can be used for consumption properly, but don't overdraw. Try not to use the cash withdrawal function, avoid dependence and pay more interest.

Can I transfer money by credit card?

Credit cards cannot be directly transferred. The main function of credit card is overdraft, and it cannot be transferred directly. If you need to use a credit card to transfer money to a bank account, you can do so in the following ways:

1. Overpayment transfer: the cardholder pays more when paying off the credit card, and then this part of the money can be used for transfer, but it can only be transferred to the debit card of the same cardholder, and there will be a certain handling fee.

2. Cash withdrawal by credit card: Cardholders can take their ID cards, credit cards and debit cards to the bank outlets for cash withdrawal by credit card overdraft, but generally they have to charge a certain fee and interest for cash withdrawal.

Credit cards cannot be directly transferred. The main function of credit card is overdraft consumption. Although the credit card also has the function of withdrawing cash, the cardholder cannot directly use the credit card for overdraft transfer. If you want to transfer money by credit card, you can only transfer the extra money or withdraw it from the credit card, or apply to the bank for cash advance. Those who borrow cash in advance apply to the bank.

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Can I transfer money by credit card?

Credit cards cannot be directly transferred. The main function of credit card is overdraft consumption. Although the credit card also has the function of withdrawing cash, the cardholder cannot directly use the credit card for overdraft transfer. If you want to transfer money by credit card, you can only transfer the extra money or withdraw it from the credit card, or apply to the bank for cash advance.

Credit card transfer can only be realized in the following two ways:

1, overpayment of transfer or cash withdrawal by credit card before transfer. Credit card accounts can also deposit money, but the money deposited in credit cards is called overpayment. If there is an overpayment in the credit card, the money can be transferred to the cardholder's peer savings card account. Although the overpaid money belongs to the cardholder's own money, there is also a handling fee for withdrawing this part of the money, so it is generally not recommended that you deposit money in the credit card.

Credit card has the function of withdrawing cash, so if we want to transfer money by credit card limit, we can only withdraw credit card limit through the ATM of the bank and deposit it in the savings card account before transferring money. Credit card withdrawal not only charges withdrawal interest at the daily interest rate of 0.05%, but also generates withdrawal fees.

2. Apply for cash advance from the bank. At present, many banks' credit cards have the function of borrowing cash in advance. Cardholders can apply for cash advance, and the bank will review the cardholder's cash advance application. After the approval, a certain amount can be transferred to the savings card account provided by the user, and then we can use the funds in the savings card account to transfer money.

These are two ways to realize credit card transfer. As can be seen from the above, the cost of credit card transfer is still relatively high, so it is generally recommended that you use credit card directly, not cash withdrawal, but borrow cash in advance to avoid interest and handling fees.

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The introduction of how to transfer money by credit card and why WeChat can't transfer money by credit card ends here. I wonder if you have found the information you need?