The money in the credit card can be transferred to the bank card. When the user handles the cash transfer business, the credit limit of the credit card can be directly transferred to the user's bank card in cash. Cash transfer is actually a credit card withdrawal, and credit card withdrawal needs to pay interest and withdrawal fees. Therefore, after users transfer the money from credit cards to bank cards, they also need to pay attention to repayment on time. _ As for how much money a credit card can transfer to a bank card, it depends on the cash withdrawal limit of the credit card. Most credit cards can only transfer 50% of the credit limit.

To transfer money from a credit card to a bank card, you need to look at the following two situations, as follows:

1. When the user's money is deposited in the credit card and the amount exceeds all the debts under the account, this money is called overpayment, which can be used to deduct the subsequent credit card consumption, or transferred to other bank cards, but a handling fee will be charged when transferring out. Take the Agricultural Bank of China as an example, the handling fee is 1% of the recovered amount, with a minimum of 1 yuan per transaction.

2. The money not deposited in the credit card is only the amount. At this time, the amount can only be converted into cash by applying for cash advance, and then the cash can be withdrawn to other bank cards. However, advance cash will charge a handling fee and interest. For example, Agricultural Bank of China charges a handling fee of 1% of the transaction amount at the bank, and the daily interest rate is 0.05%.

Precautions for credit card transfer:

Usually, credit cards have a fixed amount and a cash withdrawal amount, and the cash withdrawal amount is configured according to 50% of the credit card amount. For credit card overdraft withdrawal, in addition to the withdrawal fee (0.5% of the withdrawal amount, at least 2 yuan), interest of 0.5 ‰ of the withdrawal amount will be charged every day from the date of withdrawal, with a maximum withdrawal of 2,000 yuan per card per day, and the cumulative withdrawal will not exceed half of the credit card limit. When many banks borrow cash in advance, they can only withdraw cash from their bank cards with credit cards, so users had better prepare debit cards with credit cards in advance. Credit card cash advance has no interest-free period. From the date of advance, users need to pay 0.05% of the daily interest rate. The maximum amount of cash advance by credit card is 50% of the total amount. If the remaining available credit card limit is less than 50%, only the remaining credit limit can be withdrawn.

At present, there are four ways of bank card transfer:

The first type of ATM transfer, the cardholder can carry the card to the corresponding ATM for operation transfer, which will generally arrive within 24 hours.

The second way is online banking transfer, which requires our bank card to open online banking. Log on to the network. After logging into the bank account, find the transfer remittance. Enter the account number of the other party, and then enter the password and dynamic password to complete the payment.

The third method is reverse transfer. We can bring our ID cards and bank cards to the business outlets and go to the relevant windows to handle them.

The fourth method is mobile banking transfer, which requires us to have a bank APP on our mobile phone, open mobile banking, and complete the transfer after logging in to the account.

How to transfer the money from the credit card to the savings card?

The credit card has no transfer function, but the savings card with the same name handled by the credit card issuing bank can directly transfer the money in the credit card to the savings card, but it should be noted that transferring the money in the credit card to the savings card is equivalent to withdrawing cash from the credit card.

There are three ways to transfer credit card money to savings card: 1. Online banking transfer. 1. Log in to 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, click Submit, and enter the mobile phone verification code and dynamic password correctly to complete the operation.

Second, ATM transfer. 1. Insert the bank card into the ATM and enter the password to log in; 2. Select Transfer, enter the payee account number, and click OK; 3. Confirm the payee's account number, enter the transfer amount, and click OK to finish.

3. Counter transfer. You can transfer money by bringing your ID card and bank card to the counter.

Credit cards can only be transferred to peer debit cards, which are regarded as credit card cash advance. The bank will charge a handling fee of 1% (minimum 10 yuan) of the transfer amount, and compound interest at the rate of five ten thousandths per day from the date of transfer. You can transfer money to your peers' debit cards through our ATM or by logging into credit card online banking. Log in to the online bank and select the transfer function to transfer money.

For more information about how to transfer credit card funds to savings cards, please visit: See More.

How to transfer the money from the credit card to the bank card?

If you want to withdraw the credit card limit to your own bank card, the customer only needs to find the credit card in the online banking or mobile banking client and personal account page of the issuing bank on the credit card APP, select the withdrawal option to advance cash, and select the savings card to transfer in.

It should be noted that as long as it is a bank card under my name, whether it belongs to the same bank as the credit card or a bank card of a different bank, it can be operated.

There are three ways:

1. Users log in to online banking or bank credit card APP, select the credit card to be withdrawn, then check the cash advance option, and then fill in the receiving bank to transfer the credit card money to the bank card;

2. Users can insert the card into ATM with credit card and savings card, and then take out the money and deposit it in the bank card.

3. Users can also go to the counter to find bank staff to handle cash withdrawal and transfer procedures.

So much for the introduction of how to transfer a credit card to a bank card.