Hello, the credit limit of a credit card can be used in various trading venues, but it is not allowed to transfer to the Alipay account balance. This transfer is equivalent to recharging to the Alipay account. Currently, the recharge of the Alipay balance only supports binding. Debit cards cannot be recharged with credit cards.

1. However, many banks’ credit cards now support the withdrawal of cash to the bank’s savings card through online banking. This kind of withdrawal is equivalent to a credit card withdrawal, and a certain handling fee and interest will be charged. The handling fee is generally the same as cash withdrawal. It is about 1% of the amount, and the regulations of different banks vary; the interest is generally calculated based on the daily interest rate of 0.5%. The overall fee is still very high, so everyone needs to pay it back as soon as possible after withdrawing money.

2. The credit card withdrawal limit is generally 50% of the credit limit, and the bank also stipulates the maximum withdrawal limit per day, which is usually 2,000 yuan. At the same time, the number of withdrawals is also clearly stipulated. If you want to get the exact answer, you can call the customer service of the bank where your credit card belongs. Now many banks have introduced credit card withdrawals that can waive handling fees for the first few cash withdrawals each month, but they will never be interest-free. The specific number of withdrawals varies from bank to bank. Note: Interest will not be charged on the withdrawal of overpayment from a credit card. Interest will only be charged if the overpayment limit is exceeded.

: 1: What is a credit card?

1. A credit card is a credit certificate issued by a commercial bank or credit card company to qualified consumers. The form is a card with the name of the card issuer, validity period, number, cardholder name, etc. printed on the front, and a magnetic strip and signature strip printed on the back. Consumers holding credit cards can shop or spend money in specialized business service departments, and then the bank will settle accounts with merchants and cardholders. Cardholders can overdraw within a specified amount.

2. Credit cards stipulated in relevant Chinese laws (Interpretation of the Standing Committee of the National People's Congress on the provisions of the People's Republic of China and the Criminal Law on Credit Cards) refer to those issued by commercial banks or other financial institutions. of electronic payment cards. It has all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. On December 1, 2017, the English translation and writing standards in the public service field were officially implemented, stipulating that the standard name for credit cards in English is credit card.

Credit card consumption is a non-cash transaction payment method. No need to pay cash when purchasing, repayment will be made on the same day.

3. Credit cards are divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the cardholder has a certain credit limit and can repay before spending within the credit limit; a quasi-credit card refers to a cardholder who deposits a certain amount of petty cash in accordance with regulations and pays when the balance in the petty cash account is insufficient. A quasi-credit card that allows overdraft within a specified credit limit. Credit card generally refers to just a credit card.