You can transfer money. There are two kinds of credit card transfer, namely: overpayment transfer, that is, if you want to withdraw more money from your credit card, you can only transfer it to your own peer savings card, and it is not free, and you need to charge a certain handling fee, usually 0.5%-3%. Direct transfer by credit card is equivalent to cash advance. If the user has no disposable funds, but must transfer money, he can withdraw cash through a credit card, then deposit the cash in a debit card and transfer money. This kind of transfer, in addition to the handling fee, also charges interest, from the date of transfer, the daily transfer amount of interest. Moreover, the general transferable amount is 50% of the credit line, and there is an upper limit every day. Most banks pay 2000 yuan a day.

Consequences of overdue credit card bills: liquidated damages, usually the minimum repayment amount, 5% of the unpaid part. Interest is high, and it is rolling interest. When there are many debts, interest is scary. Overdue will tarnish the credit record, resulting in the inability to handle financial needs such as buying a house and lending in the next two years. Overdue for more than 3 months, the amount exceeds 1 0,000, and the bank has repeatedly reminded it to be unsuccessful. At that time, you will not only pay back the money, but also bear criminal responsibility.

First, the conditions for credit card to bank card, credit card can be transferred to bank card. If you want to transfer money to the bank card of the issuing bank, you need to apply for a debit card (that is, an ordinary savings card) of the bank, and then open one of telephone banking, online banking and mobile banking, so you can transfer the money in the credit card or advance the cash to the bank card. If you want to transfer money to another bank's card, you can go through the formalities in accordance with the relevant regulations of the bank and pay an extra handling fee. The process of transferring credit cards to bank cards, taking China Construction Bank as an example, requires the following processes: logging in to the website of China Construction Bank; Click "Online Banking Service; Click to open "online banking service; Confirm the customer service agreement; Enter personal data according to the prompt, in which the account number is the credit card number and the account password is the credit card consumption _ cash withdrawal password, and enter the additional code according to the right box.

Second, the essence of credit card transfer is equivalent to cash withdrawal by credit card, so there will definitely be a handling fee. If it is an overpayment transfer, that is, the excess money in the credit card can only be transferred to the peer savings card under my name, and the handling fee to be charged is generally 0.5%-3% of the total amount. For cash advance transfer, the handling fee varies from bank to bank, but it is generally between 1%-3%.