credit card is bound to wechat, can I transfer money?

you can transfer money, but you need money in your credit card.

Generally, there is no money in a credit card, but only the credit limit provided by the bank, and there is no cash. If there is an overpayment in the credit card, it can be transferred out.

digression:

Generally, those who have little money or are unwilling to pay high interest will be repaid in full before the final repayment date of the credit card bill. In this way, you can fully enjoy the interest-free period ranging from 2 to 6 days given by the bank. Except this repayment method, any other repayment method needs to pay full interest, and there is no interest-free period. Credit card interest is a bit high, 1 thousand yuan is five yuan a day, and it is compound interest.

thank you for your question.

Can I transfer money by binding a credit card to WeChat?

In these two cases, WeChat payment is becoming more and more popular, which is convenient, quick and simple, and many people have bound their credit cards to WeChat, which makes it more convenient to use credit cards. Can I transfer money after binding a credit card to WeChat? The answer is yes, but there are preconditions. What other banks' credit cards support the binding of WeChat? Let's take a look.

can a credit card be bound to wechat?

wechat can be transferred by credit card. But this method is different from our ordinary debit card.

There are two specific situations to transfer money by credit card:

One is to deposit money in the credit card first, and then use the credit card to transfer money. If it is an overpayment transfer, the peers will charge according to the handling fee of credit card overpayment recovery, which is .5%-3% of the transfer amount. At present, only a few banks do not charge for overpayment recovery. Inter-bank transfer fees will also be charged.

the other is credit card cash withdrawal transfer, that is, the overdraft limit of credit card is directly used for transfer operation. In fact, the overdraft limit of credit card is transferred, which is equivalent to cash withdrawal. In case of overdraft transfer, in addition to the withdrawal fee of 1%-3% (not charged by some banks), credit card interest will be charged at the rate of five ten thousandths of the daily interest from the date of withdrawal.

credit cards can be bound to wechat, and credit cards of agricultural bank, China construction bank, China citic bank, ping an bank, industrial bank, China guangfa bank and so on all support binding to wechat. From the above, we can draw the conclusion that it is possible to transfer money by binding the credit card to WeChat, but there are preconditions in both cases. Everyone understands it.

can a credit card be tied to wechat for transfer?

wechat can be tied to a credit card for transfer, but it needs money in the credit card.

Generally, there is no money in a credit card, but only the credit limit provided by the bank, and there is no cash. If there is an overpayment in the credit card, it can be transferred out.

overpayment is a Chinese word. Refers to the overpaid funds paid by credit card customers or the funds deposited in credit card accounts, and a certain amount of fees must be paid to take out the overpaid funds. This sum can increase the available credit card limit, or be directly used for consumer repayment. If there is overpayment in the credit card, the overpayment will be deducted first, and then the credit line will be deducted. If the overpayment is greater than the consumption amount, there will be no overdraft. Overpayment is interest-free.

In fact, banks do not encourage cardholders to charge money into credit cards, because credit cards use the mode of spending first and then repaying. Therefore, the bank stipulates that the overpayment is subject to a certain handling fee. At the same time, the handling fee for cash withdrawal of credit card overpayment is different from bank to bank.

Regarding the handling fee for credit card holders to withdraw "overpayment", the charging bank said that although credit card holders took their own money, they occupied the relevant resources of the bank. Because credit cards are different from ordinary debit cards in handling deposit and withdrawal accounts, and credit cards are used to encourage customers to spend, not to let cardholders use them as savings accounts, so the charges are reasonable.

Moreover, there is no interest for "overpayment", in other words, it is no good to "recharge" the credit card in advance and then spend it. If the cardholder wants to increase a certain credit limit, he can apply to the bank customer service center for a temporary credit limit, and there is no need to rely on "overpayment" to increase his spending power.

On March 5th, 212, the Customer Service Committee of China Service Trade Association released the survey results, and 96.47% of the customers expressed their incomprehension about "paying more money back to the credit card, and charging a handling fee when taking it out". Among them, 48.6% were very angry and thought that the bank had infringed on their property, and most of them showed helplessness. Basically all customers hope that the bank can cancel this overlord clause.

in April p>212, only four of 14 well-known domestic banks, including BOC, ICBC, CCB, ABC, BOCOM and China Merchants Bank, did not charge the withdrawal fee for users' overpayments in the bank and locally, and all the other banks were forced to charge the fee.

Can I use credit card to bind WeChat to transfer money?

WeChat can't use credit card to transfer money, and WeChat only supports savings card or change transfer. And similar to WeChat transfer, WeChat red envelopes and WeChat cash withdrawals also need to be bound with savings cards.

At present, WeChat can only use credit cards for payment after binding them. The reason for this regulation is to prevent credit card cashing through WeChat. If you have to use WeChat to bind credit card to transfer money, you can only use the following two methods:

One is to deposit money in the credit card first, and then use the credit card overpayment to transfer money;

the other is credit card cash withdrawal transfer, that is, credit card overdraft limit is directly used for transfer operation. In fact, what is transferred is the overdraft limit of the credit card, which is equivalent to cash withdrawal.

This is the end of the introduction about whether credit card can be transferred by WeChat and whether credit card can be directly transferred by WeChat. I wonder if you have found the information you need?