To transfer money from a credit card to a bank card, you need to look at the following two situations, as follows:

1. When the user's money is deposited in the credit card and the amount exceeds all the debts under the account, this money is called overpayment, which can be used to deduct the subsequent credit card consumption, or transferred to other bank cards, but a handling fee will be charged when transferring out. Take the Agricultural Bank of China as an example, the handling fee is 1% of the recovered amount, with a minimum of 1 yuan per transaction.

There is no deposit in the credit card, and now there is only a limit. At this time, the limit can only be converted into cash by applying for cash advance, and then it can be withdrawn to other bank cards. However, advance cash will charge a handling fee and interest. For example, Agricultural Bank of China charges a handling fee of 1% of the transaction amount at the bank, with a daily interest rate of 0.05%.

Precautions for credit card transfer:

Usually, credit cards have a fixed amount and a cash withdrawal amount, and the cash withdrawal amount is configured according to 50% of the credit card amount.

For credit card overdraft withdrawal, in addition to the withdrawal fee (0.5% of the withdrawal amount, at least 2 yuan), interest of 0.5 ‰ of the withdrawal amount will be charged every day from the date of withdrawal, with a maximum withdrawal of 2,000 yuan per card per day, and the cumulative withdrawal will not exceed half of the credit card limit.

When many banks borrow cash in advance, they can only withdraw cash from their bank cards with credit cards, so users had better prepare debit cards with credit cards in advance.

Credit card cash advance has no interest-free period. From the date of advance, users need to pay 0.05% of the daily interest rate. The maximum amount of cash advance by credit card is 50% of the total amount. If the remaining available credit card limit is less than 50%, only the remaining credit limit can be withdrawn.

How to transfer the credit card money to the bank card?

If you want to transfer the credit card money to your bank card, the customer can withdraw it. You can log in to the online banking/mobile banking/credit card APP on Android and Apple phones, select the credit card withdrawal amount, then check the cash advance option, and then provide the receiving bank to transfer the credit card amount to the bank card.

Of course, customers can also take credit cards and savings cards directly to the outlets to withdraw cash, insert the cards into ATM machines, and then deposit the money into bank cards. Or go directly to the counter to find the staff to handle the cash withdrawal and transfer procedures.

However, it should be noted that credit cards generally cannot be fully transferred to bank cards, because the withdrawal amount of credit cards is usually only 50% of the credit line. In other words, customers can transfer up to half the quota.

After the credit card is cashed out, customers must also remember to repay on time. If it is not paid off on time within the specified time, personal credit will be damaged, and the credit limit may not be restored at that time, which will also affect the subsequent use of credit cards.

Data expansion:

Consequences of non-return of credit cards:

The first consequence: affecting personal credit information.

Now it is a credit society, and personal credit investigation is very important for a person. If personal credit information is tainted, it is basically impossible to buy a house and a car with a loan in the future. First of all, one thing needs to be clear, that is, if the credit card owes money and does not pay it back, it will definitely have a serious impact on credit reporting.

In the old version of the central bank's credit report, bad records were kept for 5 years and good records were kept for 2 years. The new version of the credit report, personal credit report shows "5-year repayment record". And in the future, everyone's monthly repayment records and breach of contract will be reflected in the report in detail. Therefore, you must not owe money, or you will go to the central bank's credit information system, which will affect the loan to buy a house and a car in the future. If the circumstances are serious, you will be restricted from traveling and unable to buy air tickets or train tickets.

The second consequence: if the circumstances are serious, it may constitute a crime.

First of all, I want to explain a term here, that is, what is a malicious overdraft of credit cards. The so-called malicious overdraft means that for the purpose of illegal possession, you overdraw beyond the prescribed limit, and the bank urges you to repay twice, and you have not returned the money to the bank for more than 3 months. Banks will adopt different collection methods according to different situations. Of course, banks are legal institutions, so their collection methods must be legal.

In order to give you enough repayment time, the bank will provide repayment "time tolerance" service and increase repayment tips every month. Generally, overdue credit cards do not constitute a crime. However, if it constitutes a credit card crime, then you need to bear legal responsibility. If the circumstances are serious, they may also face the risk of imprisonment.

Three methods that you can absolutely use to transfer money from credit card to bank card.

Can I transfer a credit card to a bank card? Friends who have just started to contact credit cards will have such questions. Credit card has many functions, such as credit card consumption, online payment, overdraft and cash withdrawal, which provides convenience but also has disadvantages. Let's take a look together.

There are usually the following three methods:

1, overpaid transfer. Overpayment transfer means that if you want to withdraw more money from your credit card, you can only transfer it to your peer savings card in my name, and it is not free. You need to charge a certain handling fee, usually cash in advance. Direct credit card transfer, equivalent to cash advance, can be transferred to UnionPay card of any bank (not limited to my name) at the designated bank ATM in the designated city. The premise of direct credit card transfer is that you must have a debit card of the bank and open one of telephone banking, online banking and mobile banking.

The handling fee for domestic RMB transfer is 1% of each transfer amount, and the minimum handling fee is 10 RMB for each transfer; The handling fee for overseas transfer is 3% of each transfer amount, with a minimum charge of USD 3 or 30 yuan RMB (except for cards with special provisions).

3. Help friends pay the bill. Use the payment function of credit card to help friends who don't have a credit card to complete the payment. When he pays back the money, let him transfer it directly to your bank card. In this way, there will be no handling fee and no interest expense.

Reminder: Since the date of transfer, interest will be charged at the rate of five ten thousandths of the daily transfer amount. And the general transferable amount is 50% of the credit card limit.

Disadvantages of changing credit card to bank card

1, the withdrawal cost is high: credit card withdrawal not only requires a handling fee, but also does not enjoy the interest-free period of normal consumption. From the date of withdrawal record, interest shall be calculated at the rate of five ten thousandths per day.

2. Full repayment is required when repayment is made: cash withdrawal is different from overdraft consumption, and full repayment is required on the repayment date, and cannot be made in installments. If the user's repayment ability is limited and a large amount of cash is withdrawn by credit card, it will cause the problem of difficult repayment.

Therefore, it is considered that card friends should try to transfer money by savings card, and it is not cost-effective to transfer money by credit card.

Can credit card money be transferred to bank card?

The money in the credit card can be transferred to the bank card. You can transfer money directly at ATM, through online banking, mobile banking, credit card APP, or by telephone.

However, some banks do not support direct transfer by credit card, so they must first take the money into a debit card and then transfer it by debit card.

Moreover, credit card transfer is equivalent to cash advance, and a certain formalities fee is generally charged. Usually, the procedure fee is about 1% to 3% of the transfer amount. Moreover, there is a limit to the amount. Generally, the transferable amount is 50% of the credit limit of the credit card.

In addition, if it is a credit card transfer, interest will be charged at the daily interest rate of five ten thousandths from the day of cash transfer.

The credit card stipulated in the relevant laws of our country (Interpretation of the Provisions of NPC Standing Committee on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. 20 17 12 1, the English translation and writing standards for public services were formally implemented, and the English names of credit cards were specified.

Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.

From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate).

The main features of credit cards:

Credit card is one of the fastest-growing financial services, which can replace the traditional cash circulation to a certain extent.

Credit cards have both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers;

Credit card is a high-tech product integrating financial business and computer technology.

Credit cards can reduce the use of cash and money;

Credit card can provide settlement service, which is convenient for shopping and consumption and enhances the sense of security;

Credit card can simplify the collection procedures and save social labor;

Credit cards can promote commodity sales and social needs.

Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.

The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank.

After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate. A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.

How to transfer the money from the credit card to the savings card?

The credit card has no transfer function, but the savings card with the same name handled by the credit card issuing bank can directly transfer the money in the credit card to the savings card, but it should be noted that transferring the money in the credit card to the savings card is equivalent to withdrawing cash from the credit card.

There are three ways to transfer money from a credit card to a savings card: 1. Online banking transfer. 1. Log in to Bank official website and click Online Banking to log in; 2. Fill in the correct user name and password to complete the login; 3. Select Transfer-Peer/Inter-bank Transfer, fill in the payee information correctly, click Submit, and enter the mobile phone verification code and dynamic password correctly to complete the operation.

Second, ATM transfer. 1. Insert the bank card into the ATM and enter the password to log in; 2. Select Transfer, enter the payee account number, and click OK; 3. Confirm the payee account number, enter the transfer amount, and click OK to finish.

3. Counter transfer. You can transfer money at the counter with your ID card and bank card.

Credit cards can only be transferred to peer debit cards, which are regarded as 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. You can transfer money to your peers' debit cards through our ATM or by logging into credit card online banking. Log in to the online bank and select the transfer function to transfer money.

For more information about how to transfer credit card funds to savings cards, please visit: See More.

So much for the introduction of how to transfer credit cards to bank cards.