There are absolutely three methods you can use to transfer money from a credit card to a bank card

Can a credit card be transferred to a bank card? Friends who have just started to contact credit cards will have such questions. Credit cards have the functions of credit card consumption, online payment, overdraft and cash withdrawal, which provide convenience but also have disadvantages. Let's take a look at it together.

There are generally three methods as follows:

1. Overpayment transfer. Overpayment transfer means that if you want to take out more money in your credit card, you can only transfer it to your peer savings card in my name, and it is not free. You need to charge a certain handling fee, usually, advance cash. Direct credit card transfer, which is equivalent to cash advance, can transfer funds to UnionPay cards of any bank (not limited to my name) at designated bank ATMs in designated cities. The premise of direct credit card transfer is that you must have a debit card of the bank and open one of telephone banking, online banking and mobile banking.

the handling fee for domestic RMB transfer is 1% of each transfer amount, and the minimum fee is 1 yuan RMB per transfer; The handling fee for overseas transfer is 3% of each transfer amount, and the minimum charge is 3 USD or 3 yuan RMB (except for cards with special provisions).

3. Help a friend pay for it. Use the payment function of credit card to help friends who don't have a credit card complete the payment. When he pays back the money, ask him to transfer it directly to your bank card. In this way, there will be no handling fee and no interest expense.

reminder: from the date of transfer, interest will be charged on five ten thousandths of the daily transfer amount. Moreover, the general transferable amount is 5% of the credit card limit.

Disadvantages of credit card transfer to bank card

1. The cost of cash withdrawal is high: credit card withdrawal not only has to pay the handling fee, but also cannot enjoy the interest-free period of normal consumption. Interest will be calculated at the rate of five ten thousandths per day from the day when the cash withdrawal is recorded.

2. Full repayment is required when repayment is made: cash withdrawal is different from overdraft consumption, and full repayment is required on the repayment date, and cannot be made in installments. If the user's own repayment ability is limited, and a large amount of cash is withdrawn by credit card, it will cause the problem of difficult repayment.

Therefore, it is considered that cardholders should try their best to transfer money by savings card. It is not cost-effective to transfer money by credit card.

Can I transfer money from a credit card? How can I transfer money from a credit card to a bank card?

How can I transfer money from a credit card to a bank card?

Bank transfer is a very common banking service. Users can transfer funds from their own bank card to other people's bank cards or to their own other bank cards. It is a very common and convenient way.

some users want to use their own credit cards to transfer money, so this operation is actually not feasible, and there is no way to transfer money with credit cards.

mutual transfer between bank cards only supports transfer from savings cards, and credit cards can only be consumed or withdrawn by users, and cannot be directly transferred. If users want to use credit cards to transfer money, they can follow the following steps:

1. Go to the ATM of the bank where their credit cards are located and withdraw cash through the ATM;

2. transfer the cash withdrawal funds directly to the corresponding bank card through ATM;

3. You can also deposit it directly into your own bank card and transfer money online through your own bank card.

in addition to withdrawing cash through ATM, credit cards can also be withdrawn online through mobile phone APP. users only need to download the credit card APP of their bank, and then select cash installment on the corresponding page, and then they can directly transfer themselves to their own bank cards, and then use the fund information in their bank cards to transfer money.

it should be noted, however, that users need to pay a certain cash withdrawal interest for the above credit card transfer methods. Generally, the cash withdrawal interest of credit cards is charged at .5 ‰ of the daily interest rate.

In addition, a corresponding handling fee will be charged at the time of withdrawal, generally 1%, starting from 1 yuan. In addition, some banks have a certain limit on the withdrawal of credit cards, such as a limit of 2 yuan per day, and users can check with their own banks before withdrawing cash.

whether the credit card is used for cash withdrawal or cash installment, users need to make corresponding repayment on schedule in the later period, and interest charges will also be incurred. Therefore, it is not necessary for users to use the credit card to transfer money, but it is also a reasonable way to solve the financial difficulties for users who need it temporarily.

how to transfer the money in the credit card to the bank card

If you want to withdraw the amount in the credit card to the bank card under your name, the customer only needs to find the credit card in the online banking or mobile banking client of the issuing bank and the personal account page on the credit card APP, select the withdrawal option to advance the cash, and select a savings card to transfer it.

and you need to note that as long as it is a bank card in my name, it can be operated whether it is a bank card belonging to the same bank as the credit card or a bank card from a different bank.

There are the following three methods:

1. Users can log in to online banking or bank credit card APP, select the credit card to withdraw the limit, then check the cash advance option, and then fill in the receiving bank, so that the money from the credit card can be transferred to the bank card;

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

3. Users can also go to the counter to ask the bank staff to handle the cash withdrawal and transfer procedures.

This is the end of the introduction about how to transfer credit cards to bank cards and whether credit card transfer bank cards can repay mortgages. I wonder if you have found the information you need?