First of all, in the latest credit card policy, credit cards can be transferred to bank cards. There are two forms of transfer: 1. Bank credit card transfer, and you can transfer 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.

And cash out. There are various forms of cash withdrawal, and the rates range from 0.5% to 1%. However, there is a risk that funds will be frozen and the amount will be reduced, so it is not recommended.

Credit card is a tool for overdraft consumption, spending money first, and then paying back the money, but there are always some people who like to do the opposite and put their money in credit cards. Some people like to save before spending, while others just pay more to prevent themselves from paying less.

Putting money into a credit card is a credit card overpayment. No matter how much you deposit, there is no interest on overpayment by credit card. The so-called "interest-free overdraft and interest-free deposit" is a major feature of credit cards. Then, since there is no benefit in putting money in a credit card, it is better to take it out and deposit it in a savings card to earn interest, or invest in Yu 'ebao to earn income. But, wait! It's easy to save money by credit card, but difficult to withdraw money!

Withdrawing credit card deposits is called overpayment recovery. At present, most banks will charge a handling fee for credit card overpayment recovery transactions, which is generally 0.5%-3% of the recovery amount. Look, when my little hands shake, I save more money. Not only is there no income, but it will also be skinned by the bank. So, is there any way to get it back for free?

Brother Ka suggested that if you put more money into your credit card, you might as well do this:

1, spending by credit card skillfully

Not only do you brush yourself, but you can also help others brush until you run out of these quotas. You can also accumulate good personal credit and points for yourself, which can kill two birds with one stone.

2. Clever use of the card-free policy

Not all banks have to charge fees, and more and more banks have joined the camp to get back part of the free handling fee.

At present, some banks have cancelled the handling fee for recovering the overpaid part. After discovering overpayment, card friends can first check the charging standard for their own withdrawal and overpayment. Six banks, including Huaxia, Beijing and Ningbo, do not charge fees, while banks such as Bank of China, China Construction Bank, ICBC, Agricultural Bank of China, Bank of Communications, Minsheng and China Everbright are free in the local area.

The standards of all banks are not updated regularly. It is suggested that card friends call the bank customer service at any time to confirm whether the overpayment is free, which is convenient and quick.

Even if the bank charges, it can withdraw cash skillfully without spending money according to the special regulations of some cards. For example, the YOUNG card of China Merchants Bank is free to withdraw cash for the first time every month.

Can I transfer money by credit card?

You can't transfer money directly by credit card.

1. A credit card is a debit card. The overdraft limit in a credit card is a sum of money granted by the bank to encourage cardholders to spend by credit card. Transfer is not consumption, so it is not the basic function of credit card.

It is understood that the credit cards of ICBC, China Construction Bank, Agricultural Bank, China CITIC Bank and other banks can be transferred to their peers' savings cards, but they cannot be transferred across banks. Banks such as Bank of China, Bank of Communications, China Guangfa Bank, China Merchants Bank and Ping An Bank can transfer credit card overdrafts to peer savings cards, and support inter-bank transfer of credit card overdrafts. However, the inter-bank transfer fee for credit card overdraft is relatively high, and there are many restrictions when handling it.

2. Credit card transfer, like cash withdrawal, has a certain limit, and it also charges fees and interest; In addition, the overdraft transfer of credit cards needs to be handled through online banking or telephone banking, and cannot be completed at the bank counter or self-service equipment. Limit, handling fee and interest standard are the same as credit card withdrawal.

If the cardholder transfers money by credit card, the bank will charge five ten thousandths of interest every day, and a one-time handling fee of 1% will be charged according to the transfer amount. If the cardholder forgets to repay the loan, he will have to pay the overdue fine. The standard is 3% of the total overdue amount, and it is not lower than 30 yuan; If the cardholder prepays, he/she needs to pay the prepayment fee. The amount is 2% of the transfer principal, and the new functions enjoyed by credit card transfer are expensive.

Swiping a card on a POS machine is the most common way to use a credit card, and it is also a way to swipe a card online. When swiping a card, the operator should first check the validity period of the credit card and the cardholder's surname. Then, according to the issuing bank and the currency to be paid, select the corresponding POS machine, draw the magnetic stripe of the magnetic stripe credit card on the POS machine, or insert the chip credit card into the card slot, connect with the bank, and input the corresponding amount.

After receiving the information of remote payment, POS will print a credit card payment receipt (at least two copies), and the cardholder will sign the receipt after checking that the information on the payment receipt is correct. After checking the signature on the receipt and the signature on the back of the credit card (including the complete name matching and the basic handwriting matching), the operator sends the credit card copy and the credit card payment receipt to the cardholder. At this point, the credit card swiping program on the POS machine is completed.

Credit card transfer is possible, but there will be restrictions. According to the regulations of a bank, under normal circumstances, the daily cash withdrawal limit is 2,000 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, interest of five ten thousandths of the cash withdrawal amount is charged every day.

For credit card transfer, you must have a debit card of the bank and open one of telephone banking, online banking and mobile banking. Cardholders must pay the bill and related expenses after transferring cash in advance. Charge five ten thousandths of interest every day, plus related handling fees.

Therefore, credit cards can transfer money, but there is a limit on the amount and the handling fee is not low. If you really need to transfer money, you can open online banking for credit cards. After the registration is successful, you can log in to the online bank of the credit card with your ID number, login password entered at the time of registration and the additional code prompted, so that the credit card transfer can be realized.

It is recommended not to transfer money by credit card, because it will generate many other expenses.

Disadvantages of using credit card to transfer money:

High cash withdrawal cost: credit card withdrawal not only requires handling fees, but also can not enjoy the interest-free period of normal consumption. Interest shall be calculated at 0.5 ‰ per day from the date of cash withdrawal, until the arrears are paid off.

Repayment requires full repayment: cash withdrawal is different from overdraft consumption, and it needs to be repaid in full on the repayment date, and cannot be repaid in installments or at a low price. If the user's repayment ability is limited and a large amount of cash is withdrawn by credit card, it is bound to be difficult to repay. .

There are two ways to transfer money from credit card to bank card:

1. If there is more money in the credit card, you can transfer the overpayment exceeding the credit card limit to the debit card of the same bank in your own name. A handling fee of 0.5%-3% is charged when transferring money, mostly 1%.

2. When the credit card has the cash withdrawal function and one of online banking, mobile banking and telephone banking is opened, you can transfer money to your debit card, but the maximum amount is only half of the credit card amount, and the daily amount is often only about 2,000 yuan. (If you can't find the transfer entrance in the above three ways, you can transfer money directly through ATM. )

Generally speaking, credit card transfer is not cost-effective.

First of all, there will be a handling fee of about 1% for credit card transfer, which usually starts from 10 yuan; Secondly, unlike direct consumption, which has an interest-free period, transfer is regarded as cash withdrawal, and interest is directly calculated at the daily interest rate of five ten thousandths from the date of transfer, with an annual interest rate of 18%.

The most important thing is that cash withdrawal and transfer cannot be made in installments, and they must all be paid off after the repayment date. Once overdue, in addition to the penalty interest, it will also affect personal credit information. In an era when credit is becoming more and more important, credit cards should be used reasonably. It can be used for consumption properly, but don't overdraw. Try not to use the cash withdrawal function, avoid dependence and pay more interest.

Can I transfer the money to my credit card?

Of course. However, there is no interest on putting money into a credit card, but the existing handling fee and interest are taken. _ So it's not cost-effective, so it's not recommended.

1. Ordinary bank cards can be transferred to credit cards.

Transfer methods mainly include: online banking, ATM machines, bank counters, and third-party payment platforms. Although you can transfer money to a credit card, there are some restrictions. To transfer money by credit card, you must have a debit card of the bank and open one of telephone banking, online banking and mobile banking.

In fact, ordinary savings cards can be transferred to credit cards. If you want to use a credit card to receive money remitted to you by others, you only need to provide the credit card to others. The remitter will use the information provided by you to deposit the money directly into the account or transfer the money directly from the savings account. However, in general, the transfer to credit card usually arrives on the second working day of remittance, which cannot meet the transfer demand of real-time arrival. In addition, according to the regulations of different banks, the fees charged for credit card transfer are different, and no fees are charged for peer transfer. It should be noted that the savings card can transfer money to the credit card, but the credit card does not have the ability to transfer money to the savings card, so it is even more impossible to transfer money from the credit card to the credit card.

Second, the purpose of depositing money into a credit card.

Some cardholders think that saving more money in credit card accounts can at least deduct the minimum repayment amount for next month. In fact, due to the system settings, the excess deposits have been deducted in advance when generating the new bill amount. The cardholder needs to repay the final bill amount, and the minimum repayment amount is calculated from the final repayment amount, and this amount will not be deducted because of the deposit in the previous period.

For example, if you owe 2300 yuan in the early stage, you will deposit 3000 yuan at one time, a total of 700 yuan. For the new account 1500 yuan in this period, the banking system will deduct 700 yuan first, the final bill amount will be 800 yuan, and the minimum repayment amount will be 80 yuan. Note that the 700 yuan saved in the previous period is not used to deduct the minimum repayment amount of 80 yuan, but directly deducted when the account is issued. To maintain a good credit record, you must deposit it in 800 yuan again.

In this way, there is absolutely no need to deposit in advance on the credit card, and it is better to repay automatically with the associated savings card. Moreover, credit card deposits do not bear interest, and you have to pay a handling fee to get back the overpaid part, so try not to transfer money to the credit card.

Third, it is not recommended to transfer money to a credit card.

If it is a credit card repayment, just click on the credit card repayment and then associate it with the savings card account. It is meaningless to transfer money to a credit card if it is not for repayment. It is recommended not to transfer the money to the credit card unless it is repayment, because there is no interest on overpayment. When you transfer money to a debit card, the money has current or regular interest.

: The steps of transferring money from online bank to credit card are as follows:

1. Log in to Bank official website and click Online Banking to log in;

2. Fill in the correct user name and password to complete the login;

3. Select Transfer-Peer/Interbank Transfer, fill in the payee information correctly, click Submit, and complete the operation according to the prompts.

Can I transfer money directly by credit card?

Credit cards can be transferred to others.

Most banks can transfer credit cards to others, but it should be reminded that the transfer function of credit cards has some restrictions.

According to the regulations of a bank, at present, under normal circumstances, the daily cash withdrawal limit is 2,000 yuan, and the credit card overdraft fee is charged at 1% of the cash withdrawal amount, and the minimum charge is 10 yuan except the formalities. Withdrawals will also be charged a daily interest of 0.05%.

To transfer a credit card, you must hold a bank debit card and open telephone banking, online banking and mobile banking. Cardholders must pay bills and related expenses after paying cash in advance. The daily interest rate is 0.05%, and there may be a handling fee. If you really need to transfer money, you can choose to open online banking.

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To transfer money by credit card, you must have a debit card of the bank and open one of telephone banking, online banking and mobile banking. Cardholders must pay the bill and related expenses after transferring cash in advance. Charge five ten thousandths of interest every day, plus related handling fees. It should also be noted that frequent transfer of credit cards will be suspected of cashing out, so repayment should be made in time after using the transfer function, so as not to arouse the suspicion of banks, affect personal credit, and even lead to risks such as bank card sealing and reduction.

1. Can I cash my credit card?

The so-called cash withdrawal refers to the process that credit card holders use some means to bypass the normal cash withdrawal procedures of banks and convert consumption funds into cash in the name of swiping cards. By withdrawing cash, cardholders can withdraw cash from their credit cards without paying bank charges.

We know that general credit cards have the function of withdrawing cash, so what's the difference between withdrawing cash and ordinary withdrawal? Why don't cardholders cash out directly, but go to great trouble and even risk breaking the law to cash out?

This is because normal ATM or bank counter withdrawals need to pay fees and interest, and the withdrawal amount of general credit cards is only 30%-50% or even less than the credit overdraft. By cashing in, cardholders can get interest-free loans in disguise, bypassing the bank's cash withdrawal fee, and at the same time enjoy preferential measures such as interest-free period, minimum repayment amount and points set by the bank for credit card consumption.

3. Why is it illegal to cash out a credit card? The Measures for the Administration of Credit Card Business promulgated and implemented by the People's Bank of China clearly stipulates that cardholders shall not use credit cards to withdraw cash or maliciously overdraw; The Measures for the Administration of Bank Card Business stipulates that those who use bank cards and their equipment to defraud bank funds shall be dealt with in accordance with the Criminal Law of People's Republic of China (PRC) (hereinafter referred to as the Criminal Law) and relevant laws and regulations; The Notice on Issues Related to Preventing Credit Card Risks issued by the People's Bank of China and China Banking Regulatory Commission clearly stipulates that it is illegal for cardholders to cash out and merchants to provide cash-out services. Judging from the recently passed Regulations on Anti-law of Bank Card Management, cash withdrawal of credit cards will be further standardized.

How to transfer money to others by credit card?

Question 1: How to transfer money to others by credit card? Hello, do you use our credit card? If yes, our credit card supports cash advance through ATM, bank counter, online banking and telephone. If you use online banking to advance cash/telephone to advance cash, you can transfer the required funds to China Merchants Bank Card in my own name in real time (the account opening documents of the credit card and the card must be consistent). Supplementary cardholders can borrow cash in advance by telephone, but not through online banking.

If ATM credit card transfer is equivalent to cash advance, funds can be transferred to UnionPay card of any bank (not limited to my name), and the transfer limit, handling fee and interest charge are the same as cash advance.

Every credit card needs to set a transaction password, and only when the cash withdrawal function is turned on can it be withdrawn.

Access: Log in to credit card online banking, click Card Management → Transaction Password Management, and follow the prompts.

More ways

Mobile banking: log in to credit card mobile banking, enter card management → transaction password management, and follow the prompts.

Telephone voice: dial the credit card service hotline, verify your identity, press 3, and then press 3 to enter the transaction password setting and modification.

Handling fee, interest and limit:

Handling fee: the handling fee for RMB cash advance in China is 65,438+0% of each cash withdrawal amount, and the minimum handling fee is 65,438+00 RMB for each cash withdrawal; The handling fee for overseas cash withdrawal is 3% of each cash withdrawal amount, and the minimum charge is USD 3 or 30 yuan RMB (USD 5 or 30 yuan RMB for American Express Card-Centurion Black Gold Card and American Express Card-Centurion Platinum Card). There is no inter-bank handling fee for cash advance.

Interest: Cash advance does not enjoy interest-free repayment. From the date of cash withdrawal to the date of settlement, interest will be charged at a daily rate of 0.5 ‰, with compound interest on a monthly basis.

Limit: Generally, the advance cash limit is 50% of the credit limit (except for cards with special provisions). At the same time, the maximum daily withdrawal amount of each card in China is RMB 2,000; The daily cumulative cash advance of each overseas non-UnionPay line shall not exceed the equivalent of 1 ,000 USD, the cumulative cash advance of 1 month shall not exceed the equivalent of 5,000 USD, and the cumulative cash advance of 6 months shall not exceed the equivalent of 1 ,000 USD.

(You can consult any credit card service information of China Merchants Bank online through QQ or WeChat. Method 1: Search 4008205555 among QQ corporate friends, and add China Merchants Bank Credit Card Center as a friend; Method 2: Search "cmb4008205555" on WeChat, and pay attention to China Merchants Bank Credit Card Center. )

Question 2: Can a credit card be transferred to someone else's bank card? Hello, you can operate through ATM. ATM credit card transfer is equivalent to cash advance, and funds can be transferred to any bank's UnionPay card (not limited to my name). The transfer limit, handling fee and interest charge are the same as cash advance.

If you have any other questions, please add QQ corporate customer service 4008205555 or find WeChat WeChat official account "China Merchants Bank Credit Card Center" and add attention.

Question 3: Can I transfer money directly by credit card? I believe many users must know that credit cards cannot be transferred, but some people are not sure whether they can be transferred to credit cards. In fact, ordinary savings cards can be transferred to credit cards. If you want to use a credit card to receive money remitted to you by others, you only need to provide the credit card to others. The remitter will use the information provided by you to deposit the money directly into the account or transfer the money directly from the savings account. However, in general, the transfer to credit card usually arrives on the second working day of remittance, which cannot meet the transfer demand of real-time arrival. In addition, according to the regulations of different banks, the fees charged for credit card transfer are different, and no fees are charged for peer transfer. It should be noted that the savings card can transfer money to the credit card, but the credit card does not have the ability to transfer money to the savings card, so it is even more impossible to transfer money from the credit card to the credit card. In the absence of arrears, the money deposited in the credit card by transfer is also called overpayment. Users can use this overpayment according to their own needs, but they will also charge corresponding fees when withdrawing the overpayment.

Question 4: How to transfer Taobao's credit card to others? Let the seller fictional sales, you can shoot. The price is freight. Just pay by credit card.

Question 5: Can I transfer money to a credit card? I believe many users must know that credit cards can't be transferred, but some people can't tell whether they can be transferred to credit cards. In fact, ordinary savings cards can be transferred to credit cards. If you want to use a credit card to receive money remitted to you by others, you only need to provide the credit card to others. The remitter will use the information provided by you to deposit the money directly into the account or transfer the money directly from the savings account. However, in general, the transfer to credit card usually arrives on the second working day of remittance, which cannot meet the transfer demand of real-time arrival. In addition, according to the regulations of different banks, the fees charged for credit card transfer are different, and no fees are charged for peer transfer. It should be noted that the savings card can transfer money to the credit card, but the credit card does not have the ability to transfer money to the savings card, so it is even more impossible to transfer money from the credit card to the credit card. In the absence of arrears, the money deposited in the credit card by transfer is also called overpayment. Users can use this overpayment according to their own needs, but they will also charge corresponding fees when withdrawing the overpayment.

Question 6: Can someone else remit money to my credit card? Of course, the remitter can remit money as long as he correctly fills in your account number and your user name.

The remitter should also bring his ID card.

Question 7: How to transfer money from credit card to others? Credit cards are not transferable. There is no money in it, only the amount available from the bank.

The single highest rate of mobile phone pos machine is 50000.68%.

Question 8: My credit card cannot be transferred to others. Can someone else transfer it to me? no problem

Question 9: How to transfer money to someone else's credit card and let someone tell you his credit code and which bank it belongs to? It's the same as transferring money to a savings card.

In general, don't transfer a credit card unless someone else happens to have a credit card to repay. Otherwise, there will be a handling fee for the money to be transferred in and then taken out.

Question 10: Can I transfer money by credit card? Credit cards can be transferred, generally only to my debit card of the bank to which the credit card belongs. There are also handling fees, interest and transfer limits for overdraft transfer, generally 2000 yuan per day.

How much can I transfer by credit card?

You can transfer 50000.

The transfer limit of China Merchants Bank mainly includes the following types:

1.ATM transfer, the daily transfer limit is 50,000 yuan. You can apply for withdrawal at the counter.

2. Online banking transfer, with a single limit of 30,000 yuan and a daily cumulative limit of 50,000 yuan.

3. Mobile banking SMS verification code transfer, the maximum daily limit is 200,000 yuan, and users can apply for face-brushing transfer to handle a large transfer of 200,000-1 million yuan.

The daily transfer limit of China Merchants Bank's mobile banking is divided into two situations:

1, e-bank transfer (i.e. original SMS verification code transfer): up to 1 10,000/transaction, 5 million/day.

2.UKEY verification code transfer: 500,000/day.

note:

1) Inter-bank real-time account arrival mode, with a maximum of 50,000 yuan per transaction;

2) If the transfer fails to be returned, it will also occupy the transfer limit of the day.

3) If an account is opened without an ID card (including temporary id card), the maximum amount of electronic bank transfer is 200,000/day.

There is no limit on the withdrawal amount of China Merchants Bank savings card at the counter, and large withdrawals need to be made in advance. The maximum amount of money withdrawn from the ATM is 20,000 RMB per day.

The cash advance limit of credit card is generally 50% of the credit limit (the cash advance limit of youth card is 100% of the credit limit).

① The cumulative maximum daily withdrawal amount of China UnionPay Road ATM per card is RMB 65,438+00,000; The cumulative cash advance for each overseas family shall not exceed the equivalent amount of $65,438+0000 per day, $5,000 per month and $65,438+00000 for six months.

(2) The maximum daily withdrawal limit of official financial card ATM is RMB 20,000 (the daily withdrawal limit of official financial card Wuhan and official financial card Ruziniu (Puka) is RMB 2000).

(3) The daily overdraft transfer limit of bill card includes the daily overdraft transfer amount of each card of Pocket Life, Mobile Banking (including PAD Bank) and Customer Service Telephone Voice System, with a cumulative amount not exceeding 5,000 yuan. Online banking (popular version, professional version) does not exceed 2000 yuan per card per day.

The credit card 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.

I. Cash withdrawal from domestic and overseas credit cards

If there is a UnionPay logo on the domestic credit card, it means that the card has joined the China UnionPay organization, and the cardholder can withdraw cash from any ATM with the UnionPay logo.

Overseas, in addition to Hong Kong, Macao and Taiwan, there are still many countries whose UnionPay system has not been popularized, so most of them need to take the international card organization channel to withdraw cash overseas. It depends on whether you have an international card. An international card can be easily distinguished by looking at whether there are LOGO of credit card organizations such as Visa or Master besides UnionPay.

Second, credit card overdraft cash withdrawal

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 also need to 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.

Third, the credit card withdrawal method

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.

The introduction of credit card payment ends here.