You can transfer excess funds from your credit card to a bank card in the following ways:

1. Withdraw cash through bank ATM machines or bank branch counters. This is the most common method, but it may incur certain handling fees and interest.

2. Withdraw cash through bank online banking. You need to activate online banking services first and bind your credit card and bank card before performing transfer operations.

3. Withdraw cash through a third-party payment platform. First, you need to register and bind the account of the third-party payment platform, and then perform the transfer operation.

4. Direct transfer function through bank credit card. Transfer credit card funds to the debit card of your counterpart. This usually incurs a handling fee of about 1, and interest is accounted for on the day of transfer, with an annualized interest rate of about 18.

5. Recharge to the payment account and then withdraw money to the debit card. The handling fee for this method is about 0.5 and there is no interest, but the amount of cash withdrawals on the same day may be limited.