The essence of credit card is different from debit card. Credit cards are paid first, and debit cards are paid first. The order of deposit and consumption directly determines the nature of credit cards and debit cards. Therefore, credit cards are mainly used for consumption, debit cards are used for deposit, transfer and cash withdrawal, but credit cards can also be used for transfer when there are special needs.

There are two types of credit card transfers. One is overpayment transfer, that is, if you want to withdraw more money from your credit card, you can only transfer it to your own peer savings card, and it is not free, and you need to charge a certain handling fee, usually 0.5%-3%.

If the user has no disposable funds, but must transfer money, he can withdraw cash through a credit card, then deposit the cash in a debit card and transfer money. That's another kind of credit card direct transfer, which is equivalent to cash advance. Although this method is convenient, it is not a long-term solution for users. Because the premise of using this method to transfer money is that you must have a debit card of the bank and open one of telephone banking, online banking and mobile banking. Moreover, this kind of transfer, in addition to the handling fee, also charges interest, from the date of transfer, the daily transfer amount of five ten thousandths of interest. 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.

Take the current situation as an example. At present, the daily cash withdrawal limit is 2000 yuan, and the handling fee is charged at 1% of the cash withdrawal amount, with a minimum charge of 10 yuan. In addition to the formalities, you have to charge interest of 0.5% of the cash withdrawal amount every day, which is also a big expense.

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

Credit card money can be transferred to the bank card in the following ways:

1. The user logs into the online banking or credit card APP, selects the credit card to withdraw cash, then selects the cash advance option, and then fills in the receiving bank++to transfer the credit card amount to the bank card;

2. Users can insert credit cards and savings cards into ATM machines, take out money and deposit it in the savings card;

3. Users can also go to bank outlets to find staff to handle withdrawal and transfer business.

Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending. Credit card consumption is a non-cash transaction payment method, and there is no need to pay cash when spending, and repayment is made on the billing day.

Can credit card money be transferred to bank card?

The money in the credit card can be transferred to the bank card. When the user handles the cash transfer business, the credit limit of the credit card can be directly transferred to the user's bank card in cash. Cash transfer is actually a credit card withdrawal, and credit card withdrawal needs to pay interest and withdrawal fees. Therefore, after users transfer the money from credit cards to bank cards, they also need to pay attention to repayment on time. _ As for how much money a credit card can transfer to a bank card, it depends on the cash withdrawal limit of the credit card. Most credit cards can only transfer 50% of the credit limit.

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.

2. The money not deposited in the credit card is only the amount. At this time, the amount can only be converted into cash by applying for cash advance, and then the cash 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, and the daily interest rate is 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.

At present, there are four ways of bank card transfer:

The first type of ATM transfer, the cardholder can carry the card to the corresponding ATM for operation transfer, which will generally arrive within 24 hours.

The second way is online banking transfer, which requires our bank card to open online banking. Log on to the network. After logging into the bank account, find the transfer remittance. Enter the account number of the other party, and then enter the password and dynamic password to complete the payment.

The third method is reverse transfer. We can bring our ID cards and bank cards to the business outlets and go to the relevant windows to handle them.

The fourth method is mobile banking transfer, which requires us to have a bank APP on our mobile phone, open mobile banking, and complete the transfer after logging in to the account.

Can I transfer my credit card to another bank card?

Of course. When the user handles the cash transfer business, the credit limit of the credit card can be directly transferred to the user's bank card in cash. Cash transfer is actually a credit card withdrawal, and credit card withdrawal needs to pay interest and withdrawal fees. Therefore, after users transfer the money from credit cards to bank cards, they also need to pay attention to repayment on time.

Extended data:

Credit card withdrawal is different from credit card withdrawal. Cash withdrawal by credit card is one of the inherent functions of credit card itself. Cardholders can withdraw cash from the bank by credit card. Credit card withdrawal mainly includes overdraft withdrawal and overpayment withdrawal. You need to pay interest for overdraft cash withdrawal, and the interest will be calculated from the day you withdraw cash, while the overpayment cash withdrawal does not require interest, only a part of the handling fee, depending on the bank's regulations. It should be noted that the logo of the bank card under the Visa International Credit Card Organization is Visael ECRONINTERLINK Plusvisasbash. VisaVisa's credit card can now be overdrawn. ElecronVisa's debit card can be withdrawn, but it can't be overdrawn now. PlusVisa's withdrawal card can only be used now, and it cannot be overdrawn. InterlinkVisa's online transfer card can withdraw cash, but it cannot be overdrawn.

The overdraft withdrawal amount is set according to the cardholder's use of the card, and the maximum is not more than 50% of the cardholder's credit limit. The daily limit of ATM withdrawal is 2000 per person per card. In addition to the withdrawal fee, domestic and foreign overdraft withdrawals must also pay interest, and some banks can enjoy interest-free treatment.

Overpayment cash withdrawal refers to the cardholder's withdrawal of the funds or overpayments stored in the card when repaying. Overpayment can automatically increase the available amount of the main card, but does not increase the available amount of the auxiliary card. If it is necessary to increase the available amount of supplementary cards, cardholders should call the bank telephone service hotline to apply.

Credit card cash withdrawal mainly includes overdraft cash withdrawal and overpayment cash withdrawal. Overdraft cash withdrawal is a small cash loan provided by banks to help cardholders flexibly allocate funds when they are in urgent need.

Overpayment cash withdrawal refers to the overpayment by credit card customers or the funds deposited in credit card accounts, and it takes some formalities to withdraw the overpayment. This amount can increase the available credit limit of the cardholder's credit card, or be directly used for consumer repayment. If the credit card has overpayment, the overpayment shall be deducted first, and then the credit line shall be deducted. If the overpayment is greater than the consumption amount, there will be no overdraft.

Can I transfer a credit card to a bank card?

Credit cards can be directly transferred to bank cards, and users can directly transfer the credit card amount to their peers' savings cards when handling cash advance business. Cash advance, like cash withdrawal by credit card, needs to pay withdrawal fee and interest. So credit card to bank card is only suitable for short-term++.

Before a credit card is transferred to a bank card, the credit card must have a cash withdrawal limit. When the withdrawal amount is insufficient or used up, users will not be able to borrow cash in advance.

Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

The credit card stipulated in the relevant laws of China (Interpretation of the NPC Standing Committee on Credit Card Terms in the Criminal Law of People's Republic of China (PRC)) 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).

On May 25th, 20021year, the Supreme People++promulgated and implemented the Provisions of the Supreme People++on Several Issues Concerning the Trial of Civil++Cases of Bank Cards.

Can I save money with a bank card?

1, you can save money, but credit cards are used for consumption, not for settlement, so don't use credit cards as savings cards.

Because credit card is different from debit card, no matter how much money you deposit in credit card and how long it lasts, there is no interest.

Not only that, if you want to withdraw the money in it, most banks will charge an overpayment to get back the handling fee.

4, the so-called overpayment, refers to the credit card users pay more money at the time of repayment or take out the funds deposited in the credit card account to pay a certain fee.

To put it simply, there are some deposits in the credit card that exceed the bills that should be repaid, so there is a charge for taking them out.

Can a credit card be transferred to a bank card?

You can transfer money.

First of all, in the latest credit card policy, credit cards can be transferred to bank cards, and there are two forms of card transfer:

1. Bank credit card transfer. You can transfer the credit card funds to the bank's savings card. The handling fee is about 1%, and the interest is calculated on the transfer day, with a daily interest rate of 0.05% and an annualized interest rate of about 18%. At present, basically all banks can do this, but the interest rate is relatively high.

2. You can recharge the credit card to the payment account and then withdraw it to the savings card. This function can only be completed by the payment company. Alipay's credit card recharge function has stopped, and Lu Shoucai, who cooperates with Yi Bei pay, can still do it. The handling fee is about 0.5%, and there is no interest. The disadvantage is that the daily quota is only 30,000 ~ Bank of Communications is not supported.

Credit card type:

According to different card issuers, it can be divided into bank cards and non-bank cards.

Bank card. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or they can withdraw cash at any time at the outlets of the issuing bank or at places with ATMs.

Non-bank card. This kind of card can be divided into retail credit card and travel entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are specially used for shopping in designated stores or filling gas stations. , and settle accounts regularly. Travel and entertainment card is a credit card issued by airlines, travel companies and other service industries, which is used for ticket purchase, dining, accommodation, entertainment and so on.

According to the different issuing banks, it can be divided into corporate cards and personal cards.

Company card. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, party and government organs, armed forces, organizations and other legal person organizations.

Personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. The personal card is applied in the name of an individual and bears all the responsibilities for its use.

According to the credit status of cardholders, it can be divided into ordinary cards and gold cards.

Ordinary card. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and the requirements are not high.

Gold card. Gold card is an advanced credit card that pays a high membership fee and enjoys special treatment.

Card issuers are institutions with high credit, strong repayment ability, credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are wider, so the requirements for related service fees and deposits are higher.

According to different payment methods, credit cards can be divided into credit cards and quasi-credit cards.

Credit card. That is, when the issuing bank provides bank credit, it overdraws first, and then repays or pays in installments. Most of these cards are used for international circulation. In other words, the way to allow cardholders to pay off their credit card accounts is "consume first, then deposit". Most of these cards are used for international circulation.

Quasi-credit card It is a credit card issued by a bank, which deposits first and then consumes. When applying for a credit card, the cardholder needs to deposit a certain amount of money in the issuing bank in advance as a backup. The cardholder needs to use the card on the basis of the deposit balance, and generally no overdraft is allowed.

According to the different circulation scope of credit cards, they can be divided into international cards and regional cards

International card is a kind of credit card that can be used outside the issuing country and is universal. MasterCard, VISACard, AmericanExpressCard, JCBCard and DinersClubCard issued by five overseas groups (MasterCard, Visa International, American Express Card and DinersClubCard) are mostly international cards.

Area card. Regional card is a kind of credit card that can only be used in the country or region where the issuing bank is located. Most credit cards issued by commercial banks in China belong to regional cards.

So much for the introduction that credit cards can be transferred to bank cards.