Credit cards do not have the function of transferring money directly to others, because direct transfer transactions have cash-out risks, so banks are prohibited. The only way is to withdraw cash or get a debit card. Under normal circumstances, debit cards can be transferred to credit cards, and credit cards cannot be transferred to debit cards.

If the customer wants to use the money in the credit card as the money in the debit card, he needs to take out the money in the credit card before using it. Moreover, a credit card can only be transferred to the debit card of the same cardholder and transferred to the debit card of the same cardholder, which is regarded as a 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. China Merchants Bank stipulates: "You need to transfer the credit card money to China Merchants Bank Card or cooperative bank savings card in my name first, which is regarded as the domestic cash withdrawal fee."

There is a handling fee for credit card overdraft withdrawal. The general handling fee ranges from 1%-3%, and interest will be charged from the day of withdrawal, with a daily interest rate of five ten thousandths. If the customer deposits the money into the credit card first, and then carries out the withdrawal and transfer transaction, this process is called the credit card overpayment recovery transaction, and there is usually a handling fee, which is 0.5%-3%. As long as there is no overdraft, there will be no interest.