1. First of all, credit cards cannot use cash withdrawal functions such as transfer or red envelope on WeChat. If the credit card can be directly transferred to WeChat, it is a cash-out behavior. 20 10 on July 26th, the Shanghai headquarters of the central bank declared that it was illegal to cash out credit cards. Therefore, credit card transfer to WeChat is not supported.
2. On WeChat, you can use credit card binding to recharge the phone bill and traffic. This is credit card consumption, not cash withdrawal. If you put it on the credit card bill, you can repay it normally next month. At the same time, it does not support red envelopes and does not support direct purchase of wealth management products. Only credit card consumption and online payment are supported.
3. WeChat transfer only supports savings card or change transfer. Similar to WeChat transfer, WeChat red envelopes and WeChat cash withdrawals also need to be bound with savings cards. Wechat transfers money to friends. After the other party checks, the money will enter the change first. If you withdraw cash, you can only get the savings card bound by the other party, and you can't choose credit card transfer.
4. At present, WeChat only accepts and pays.
Transferaccounts refer to the monetary settlement method in which the bank transfers money from the payment account to the collection account without using cash directly. It is gradually developed with the development of the banking industry. When the settlement amount is large and the space distance is far away, it can be safer and faster to use transfer settlement. In modern society, most commodity transactions and monetary payments are carried out by means of transfer settlement.
2065438+On March 28th, 2009, the requirement of 24-hour receipt was cancelled and real-time receipt was implemented.
There are many ways of transfer settlement, which are mainly divided into two categories: settlement in the same city and settlement in different places. City settlement includes cheque settlement, payment authorization settlement, city collection and acceptance settlement, collection and non-acceptance settlement, limit cheque settlement, etc. Off-site settlement includes off-site collection and acceptance settlement, off-site entrusted collection settlement, exchange settlement, letter of credit settlement and limit settlement.
As a bank settlement method, transfer is widely used. Transfer settlement can be made between different places in the same city, between company accounts, between company accounts and personal accounts, and between personal accounts and personal accounts.
The People's Bank of China issued the Notice on Strengthening the Management of Payment and Settlement to Prevent New Crimes in Telecommunication Networks, and comprehensively strengthened the management of account real-name registration system, bank card business and transfer. It is clear that since 20 16 12 1, individuals who transfer money through self-service teller machines can apply to the issuing bank for cancellation of the transfer within 24 hours after it is accepted by the issuing bank.
In order to effectively curb the behavior of buying and selling accounts and opening fake accounts, and comprehensively promote the real-name management of accounts, the Notice on Strengthening the Management of Payment and Settlement to Prevent New Crimes in Telecommunication Networks clearly stipulates that from 20 16 12 1, if a banking financial institution opens a bank settlement account for an individual, the same person can only open a Class I account in the same bank, and has already opened a Class I account. This move aims to protect the safety of funds.
Can I transfer money by credit card binding WeChat? In both cases, I can.
Wechat payment is becoming a trend, which is convenient, fast and simple, and is loved by many people. Moreover, many people have bound their credit cards to WeChat, making it more convenient to use them. Can I transfer money after the credit card is bound to WeChat? The answer is yes, but there are preconditions. What other banks' credit cards support binding WeChat? Let's have a look.
Can a credit card be bound to WeChat?
Wechat can transfer money by credit card. But this method is different from our ordinary debit card.
Credit card transfer can be divided into two situations:
One is to deposit the money in the credit card first, and then transfer the money with the credit card. In case of overpayment transfer, the peers will charge a handling fee of 0.5%-3% of the transfer amount according to the credit card overpayment recovery. At present, only a few banks do not charge for overpayment recovery. Inter-bank transfer will also charge a handling fee.
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 transfer, 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 0.5 ‰ from the date of withdrawal.
Credit cards can be bound to WeChat, and credit cards such as Agricultural Bank, China Construction Bank, China CITIC Bank, Ping An Bank, Industrial Bank and Guangfa Bank all support the binding of WeChat. From the above, it can be concluded that it is ok to bind credit card to WeChat transfer, but there are preconditions in both cases. Everybody knows.
How to transfer credit cards to WeChat?
After the credit card is bound to WeChat, it cannot be transferred to WeChat. After the user binds the credit card to WeChat, it can only be used to pay for consumption. This is because direct credit card transfer to WeChat is equivalent to cash withdrawal, which is not allowed in the process of credit card use. Everyone should pay attention to this after wechat binds the credit card.
In addition to not being able to transfer money, users can't use credit cards when issuing red envelopes and buying wealth management products. In fact, as long as users can see what methods can be used and what methods can't be used when paying for consumption, they can choose the methods that can be used.
To transfer money, the user can only withdraw the money from the credit card and deposit it in the savings card. Credit card withdrawal requires the user to pay the handling fee and interest, which is still very high, and the withdrawal amount should be paid off in one lump sum at the time of later repayment, and installment repayment is not allowed.
After the credit card is bound to WeChat, you can also use the change in WeChat to pay back the credit card. When paying back the credit card, WeChat will charge a certain fee, each transaction is 0. 1% of the repayment amount, and less than 0. 1 yuan is 0. 1 yuan. The handling fee for returning credit cards through this channel is relatively high.
When a credit card is bound to WeChat, the user name of the credit card must be consistent with the real-name authentication of WeChat. It is not allowed to bind other people's credit cards on WeChat, but you can return other people's credit cards when you repay them, and you will also be charged a handling fee when you repay them.
In WeChat, users can also bind a savings card in addition to a credit card, which can be used to transfer money after binding, but there will be a limit on the amount when transferring money, and the restrictions of different banks are different. It will be displayed when the user transfers money, and the specific amount will be subject to the page display. Users must ensure that there are enough funds in the card when transferring money.
Can credit cards be transferred by WeChat?
Credit cards can't be transferred by WeChat.
According to Article 7 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, credit cards refer to all kinds of media that record the relevant information of cardholders' accounts, have the functions of bank credit line and overdraft, and provide relevant banking services for cardholders.
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.
How does WeChat transfer money by credit card?
Wechat can bind credit card consumption, but it cannot transfer money to others. The method of wechat binding credit card is as follows. Click "I" on WeChat, select Payment-Wallet, and click the bank card. Click Add Bank Card. If you enter a credit card, click Next, then enter the mobile phone number reserved in advance at the bank counter for quick payment, and click Next. After verifying and entering the verification code received by the mobile phone, it can be added successfully.
When the WeChat transfer prompts that the bank card transaction is abnormal, you can log in to WeChat, enter the official WeChat account of "WeChat Pay", click the dialog box, enter "Transaction Abnormal", and the system will prompt you to clear the cache, exit WeChat and log in again. If the problem has not been solved, you should try to contact customer service to solve it.
The transfer method is as follows: first, click WeChat to select the friend to transfer money, enter the chat interface, click the plus sign in the lower right corner, click Transfer in the pop-up tool window, enter the amount to be transferred, and click Transfer. In the payment interface, you can click the payment method. If you need to pay by bank card, click on the bank card that has been bound on WeChat, and then enter the payment password of WeChat.
Pay attention to remind the other party to confirm the payment after the transfer. To bind the bank card of WeChat, you need to click Me in the main interface, click Pay, click Wallet, select Bank Card, select Add Bank Card, enter the WeChat payment password, and then enter the bank to bind in the new page.
In the payment process, if the collection account has abnormal characteristics, WeChat will remind the user of the transaction risk according to the degree of risk. If the payee is malicious, WeChat will intercept and protect the transaction to remind the user to pay attention to the safety of funds. In addition, in addition to reminding users, WeChat also provides users with a 15 minute "transfer cooling-off period". During this period, users can verify each other's identity and make more accurate judgments.
Some software that grabs red packets claims that they can grab red packets every second. On the surface, it has many benefits, but it is actually virus software. Once installed, the mobile phone will be infected with viruses, and personal information, WeChat wallet and bank card balance are very likely to be stolen.
Liars often take "as long as they invite their friends to help them' bargain' to 0 yuan on the link page, they can get the products for free" as a gimmick to lure users to click on the link and fill in their personal information, and also ask users to forward them to their friends. Liars use this information to steal the cash in the bank card bound by customers, and promote these activities to users' friends, and carry virus links in the information for the second time.
Let's stop here for the introduction of credit card WeChat transfer.