Credit cards can be used not only for consumption, but also for investment and financial management. Bank card can transfer money, so can credit card. So what are the transfer methods? What is the transfer fee rate of major banks? Do you know all this? Let me take a look at it for you.
Credit card transfer classification:
One is overpayment transfer, that is, 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, and you need to charge a certain handling fee. Generally, the other is direct transfer by credit card, which is equivalent to borrowing cash in advance. You can transfer the funds to the UnionPay card of any bank (not limited to my name) at the designated bank ATM in the designated city.
The premise is that you must have a debit card of the bank and open one of telephone banking, online banking and mobile banking. In addition to the handling fee, there is also interest. From the date of transfer, interest will be charged at the rate of five ten thousandths of the daily transfer amount. 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.
Transfer fee rate of major banks:
14 banks included in the statistics are: Industrial and Commercial Bank, Agricultural Bank, China Bank, China Construction Bank, Bank of Communications, Ping An Bank, China Guangfa Bank, China CITIC Bank, China Merchants Bank, Bank of Beijing, Shanghai Pudong Development Bank, China Everbright Bank, Minsheng Bank and Huaxia Bank. Shanghai Pudong Development Bank is the highest, followed by Guangfa Bank and Ping An Bank, with 3% respectively, followed by China CITIC Bank with 2%; Agricultural Bank of China, Bank of Communications, China Merchants Bank, Bank of Beijing, China Everbright Bank and Huaxia Bank are all 1%.
Can China Everbright Bank transfer its credit card to debit card?
Credit cards cannot be used for transfer, but you can apply for cash installment. After the application is approved, the bank will directly transfer the money to the designated debit card.
I. Cash withdrawal by credit card:
1. Credit card overdraft withdrawal:
A handling fee: it depends on the regulations of each bank. For example, CCB credit cards charge 0.5% of the cash withdrawal amount, ranging from the lowest 2 yuan to the highest 100 yuan. The credit card of China Merchants Bank is charged at 1% of the cash withdrawal amount, with a minimum of 10 yuan per transaction;
B interest: calculated at the daily interest rate of five ten thousandths.
2. Cash withdrawal from credit card overpayment: Some banks need to charge fees, while others don't. For example, the handling fee of China Merchants Bank is 0.5% of the withdrawal amount, and the minimum fee is 5 yuan RMB or US$ 65,438 +0.
Second, the credit card in the POS card consumption:
1. Repay in full and on time without interest;
2. Pay the minimum repayment amount on time, with a daily interest rate of 0.5 ‰;
3. If the repayment is overdue, besides the above interest, there will be a late payment fee.
How to transfer the credit card of China Everbright Bank to China Construction Bank through online banking?
Steps to transfer the credit card of China Everbright Bank to China Construction Bank through online banking:
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.
I want to transfer the money from China Everbright Credit Card to the savings card of Agricultural Bank of China, is that all right?
1. No. Because credit cards have no direct transfer function. 2. If you want to transfer. There are two ways to transfer. One is to withdraw the money from the credit card and transfer it to your savings card of the Agricultural Bank of China. Second, words. You need to apply for a savings card of China Everbright Bank. Then bind the savings card to the credit card. Then apply to China Everbright Bank for cash advance. Then the bank will transfer the money from your credit card to your savings card. Then you can use the savings card of China Everbright Bank to transfer money to the agricultural bank card.
How to transfer the credit card of China Everbright Bank to Alipay?
Step 1: The customer applies for opening an Alipay account on Alipay website () by using email or mobile phone number, and activates the account.
Step 2: Sign Alipay cartoons at the counter of Everbright Bank outlets and personal online banking professional edition.
Step 3: After signing the contract, you can make a cartoon payment transaction.
Convenient way of credit card repayment of China Everbright Bank
Debit card binding repayment
1, automatically associated repayment
The credit card of China Everbright Bank will be automatically deducted from your savings account by default on the due repayment date of each month to repay the credit card account.
The setting/modification of automatic repayment function takes effect immediately. After the last bill date, the automatic repayment method will be set/modified before the current automatic deduction date, and the last bill will be automatically deducted according to the modified method; Set/modify the automatic repayment method after automatic deduction in the current period, and the bill in the previous period will still be automatically deducted as before; The latest version shall prevail.
By default, the associated account of the deposit-loan integrated card is its savings account, and the automatic repayment method defaults to full amount. Customers can modify the default associated account and automatic repayment method. The next night, the due repayment date will be recorded, and the quota will be restored after recording.
Set the channels of automatic associated repayment: counter, calling customer service, online banking and mobile banking.
2. Inter-bank automatic repayment
Customers can log on to our online banking, mobile banking and credit card websites, or dial 95595 to set up inter-bank automatic repayment, and bind their Everbright credit cards with debit cards of other banks to realize automatic repayment.
At present, debit card issuers supporting transfer-out are: Agricultural Bank, China Construction Bank, China Bank, China Merchants Bank, Postal Savings Bank, Industrial Bank and Industrial and Commercial Bank.
3. Debit card online banking related repayment of other banks.
Easily manage multiple bank accounts through Everbright Online Banking.
Automatic collection of funds: signing a contract at one time and setting collection rules can link the bank accounts of China Everbright Bank and other banks, and automatically transfer funds to the designated China Everbright account on a regular basis to improve the efficiency of fund use.
Manual fund collection (real-time deduction by other banks): once the contract is signed, it can be transferred from other banks to the designated account of China Everbright Bank in real time.
The collection of funds is free, regardless of the same city, different places or inter-bank, and the collection of funds through the account of China Everbright Center is free of handling fees. Provide manual real-time, automatic guarantee, quota and other fund collection methods, which saves worry and effort.
Online repayment
1, personal online banking
If the online banking of China Everbright Bank has been opened, and you hold the Sunshine Debit Card of China Everbright Bank or the Current All-in-One Card of China Everbright Bank, you can complete the repayment according to the following steps:
1) Log in to China Everbright Bank: and log in to online banking.
2) Click Account Settings under Account Management, select a new account, and enter a credit card in the pop-up window to finish adding.
3) Click "Credit Card-Credit Card Repayment" to transfer the repayment amount of your Sunshine Debit Card, China Everbright Bank Current Card or Sunshine Savings Account to the credit card account to complete the repayment.
Restore the credit card limit in real time and enter the customer account at night.
2. UnionPay Online
You can use the debit cards of CITIC Bank, China Everbright Bank, Minsheng Bank, China Merchants Bank, Industrial Bank, Shanghai Pudong Development Bank, Ping An Bank, Shenzhen Rural Commercial Bank, Huaxia Bank, Bank of East Asia, Hunan Rural Credit Cooperative Association, Hainan Rural Credit Cooperative Association and other banks to repay your Everbright credit card, restore the credit card limit in real time, and enter the customer account at night.
Repayment process:
Link through the website of Everbright Credit Card or log in directly.
Precautions:
In order to control risks, UnionPay online payment website sets the maximum monthly repayment amount of a debit card as100000 yuan. Once the maximum repayment amount of your current debit card this month exceeds 65,438+000,000 yuan, the system will prompt an error of "Amount Exceeded".
If your debit card chooses "Do not open POS" when handling the card, it will also return "Amount Exceeded".
It is recommended that you call the debit card issuer to check whether this option is set and open it through the issuer channel.
3. Alipay
Alipay credit card repayment function means that the cardholder transfers the funds in the debit card account to his credit card account through online banking through Alipay credit card repayment platform.
Customers log on to Alipay website, choose credit card for repayment, and fill in repayment information. Customers can choose to transfer the debit card to the issuer's online banking for repayment, or choose the balance of Alipay account for repayment.
Support ICBC online banking, China Merchants Bank online banking, China Construction Bank online banking, Bank of China online banking, Agricultural Bank online banking, Bank of Communications online banking, Shanghai Pudong Development Bank online banking, Guangfa online banking, China Everbright online banking, Minsheng online banking, Ping An online banking, Beijing Rural Commercial Bank online banking, Postal Savings online banking and Fudian Bank online banking to transfer payments to our bank; It also supports the repayment of Alipay account balance.
Self-service equipment repayment
1. Cash repayment for self-service equipment
Use the credit card in the self-service cash deposit and withdrawal machine of China Everbright Bank, select "Cash Repayment", put in RMB cash, and complete RMB repayment after confirming the repayment amount.
Restore the credit card limit in real time and enter the customer account at night.
2.ATM transfer repayment
Use the Sunshine Debit Card on the self-service equipment (ATM, CRS, payment machine) of China Everbright Bank, select "Credit Card Repayment", and enter the RMB repayment amount and credit card to complete the RMB repayment.
3. Lacarra
The cardholder swipes the credit card and debit card, inputs the repayment amount, debit card password and other information on the smart payment terminal of any convenient payment outlet in Lacarra, and completes debit card deduction and credit card repayment through the UnionPay clearing platform. In this way, the cardholder can use the UnionPay logo debit card issued by any bank to repay the credit card of our bank (except the US dollar single currency Olympic card), and the inter-bank repayment fee is borne by our bank, and the cardholder does not need to pay this fee.
Everbright Credit Card repays through Lacarra channel, recovers the credit card limit in real time, and gives credit to customers at night. (To be on the safe side, customers are advised to repay 2-3 days in advance. )
Repayment through Lacarra should not exceed 3 per card per month, which is a unified restriction of Lacarra, and the bank does not require it. If the customer asks this question, it is recommended that the customer call Lacarra.
Counter repayment
1. Repayment at the bank counter
1) directly deposit RMB cash or foreign currency cash into the credit card at the counter of China Everbright Bank to complete the repayment.
2) Transfer to the credit card account through Sunshine Debit Card or RMB or foreign currency account of China Everbright Bank to complete the repayment.
Restore the credit card limit in real time and enter the customer account at night.
2. Inter-bank transfer/remittance repayment at other banks' counters
You can make repayment at other bank counters by transfer or remittance. Tips for filling in the remittance slip: payee-any branch of China Everbright Bank (it is recommended to fill in the local branch of China Everbright Bank);
Payee-the name of the credit card customer;
Collection account number-credit card;
Remittance purpose-credit card repayment.
1-3 working days for posting, and the credit card limit will be restored after posting. (To be on the safe side, customers are advised to repay 2-3 days in advance).
Telephone repayment
Mobile banking repayment
1) Add a credit card account and log in to Mobile Banking. Click "My Settings" and enter the account number and transaction password in the "Add Account" column to complete the addition.
2) Credit Card Repayment Click "Credit Card-Credit Card Repayment" to restore the credit card limit in real time and credit it into the customer's account at night.
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This concludes the introduction of how Everbright Credit Card transfers money and how Everbright Credit Card transfers money to bank cards. I wonder if you have found the information you need?