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

2. Since December 1, 216, when cardholders handle credit card transfer business through our mobile banking, online banking, ATM and counter, they can only transfer money from their credit cards to their peers' debit cards, and the transfer transactions will be received in real time.

credit card overdraft transfer is regarded as overdraft withdrawal, which will generate handling fees and interest.

Fee charging standard: RMB is transferred through overdraft of the Bank, and the fee charging standard is .5% of the transaction amount, with a minimum charge of RMB 1 yuan for each transaction (at present, only transfer from credit card to debit card of my colleague is supported).

interest charging standard: from the bookkeeping date to the repayment date, the overdraft interest shall be calculated and paid at the specified interest rate (the daily interest rate is five ten thousandths).