1. Cardholders can use their own cards and transaction passwords to conduct bank transfer operations at UnionPay ATMs that have opened ATM transfer services, including transferring our debit cards to our credit cards and transferring our credit cards to our debit cards, and receive the accounts in real time;

From 2.20 16 12 1, cardholders can only transfer their credit cards to colleagues' debit cards when handling credit card transfer business through our mobile banking, online banking, ATM and counter, and the transfer transaction will be received in real time.