Credit card transfer is regarded as cash withdrawal, which is allowed under normal circumstances and does not belong to malicious overdraft. Different banks charge different fees. Some banks don't charge deposits (most of them charge fees, usually in proportion to the number of times or the amount). If you deposit money in it, you can transfer money directly from the ATM. If you don't have money in it, it's an overdraft. You can also withdraw cash at ATM, which is generally half of the credit card limit.

Cash withdrawal by credit card belongs to cash advance, and interest and handling fee will be charged. The interest rate is five ten thousandths of the daily interest rate, that is, 1000 yuan 50 minutes a day, which is charged by the day. The handling fee is charged differently according to different banks. Generally, it is charged according to the number of transactions, and each transaction has an upper limit, which is generally 2000 to 3000.