WeChat can transfer funds using credit cards, but unlike debit cards, there is no so-called direct transfer transaction with credit cards. But there are prerequisites: please see below:

1. First deposit money into the credit card, and then use the credit card overpayment to transfer the money; this method is usually billed according to the credit card overpayment recovery fee. , the handling fee is 0.5-3% of the transfer amount. Currently, only a few banks do not charge for the recovery of overpayment. If it is an inter-bank transfer, there are many intermediate fees, so forget it.

2. Credit card cash withdrawal transfer, that is, directly using the credit card overdraft limit for transfer operations. In fact, what is transferred is the credit card overdraft limit, which is equivalent to cash withdrawal. In addition to charging a 1-3 cash withdrawal fee (some banks do not charge this), this method will also charge credit card interest at a daily interest rate of 0.5% from the day of withdrawal, which is not very cost-effective.

Extended information:

If you transfer the overpayment on your credit card, if you transfer it to your debit card, it is usually based on the overpayment on the credit card. The withdrawal fee is charged, which is 0.5-3% of the transfer amount. Currently, only a few banks do not charge for the withdrawal of overpayment.

Sorry if your debit card is from another place! Inter-bank transfer fees will also be charged, and if the destination debit card of the transfer is not the cardholder's own debit card, generally speaking, the transfer is not possible and you can only withdraw cash.

What if I transfer the overdraft limit on my credit card? That’s equivalent to withdrawing cash with a credit card! In addition to charging a cash withdrawal fee of 1-3 (some banks do not charge this), credit card interest will also be charged at a daily interest rate of 0.5% from the day of withdrawal, which is terrifyingly high.

Reference materials: Baidu Encyclopedia WeChat Payment