Credit cards are not allowed to transfer money to individuals, only to merchants. Credit card regulations prohibit malicious cashing, and your personal transfer belongs to cashing. Credit cards have a cash withdrawal limit and can be withdrawn at ATM, but the interest on cash withdrawal needs to be calculated on a daily basis. The use of credit cards is the consumption of merchants, and you can go to shopping malls, supermarkets and restaurants. If you are in a hurry to use money, you can go to a friend's shop and brush it with a friend's pos machine. Of course, you still have to give your friends some cash handling fees.