Cash transfer means that the cardholder can transfer the funds within the credit line to his savings account and pay a certain handling fee and interest; At the same time, the cardholder can also transfer the credit card overpayment to his savings account or credit card. Credit card cash transfer business is limited to RMB transfer.
You can transfer the funds within 50% of the credit card limit to your savings account (sharing the limit with cash withdrawal and cash installment), or transfer the credit card overpayment to your savings account or credit card.
The daily limit of counters, intelligent teller machines, ATMs, mobile banking and personal online banking channels is 20,000 yuan, and the total cash transfer of all channels per card day does not exceed 20,000 yuan, and the monthly limit of each card is 50,000 yuan, which cannot exceed the current available credit limit of the card.
Extended data
Scope of use of funds obtained from cash transfer or cash withdrawal of CCB credit cards.
The funds obtained from cash advance (including cash withdrawal and transfer) of CCB's credit card can only be used in consumption areas, including household durable goods consumption, tourism consumption, home decoration, student education, medical care and so on. , and can not be used in non-consumer fields such as production and operation, investment (including but not limited to equity investment such as house purchase, stocks, futures, wealth management and P2P lending).
If it is found that customers use cash in advance illegally, CCB will take corresponding control measures.
Construction Bank credit card cash transfer fee is as follows:
1. handling fee: Longka credit card cash transfer business must pay handling fee according to the transaction, which is 1% of the transfer amount, ranging from the lowest 2 yuan to the highest 100 yuan. Overpaid funds are transferred to bank accounts in the same city without handling fees, and transferred to bank accounts in different places. The handling fee is charged according to the same standard as overdraft transfer.
2. Interest: Cash transfer-out (except overpayment) does not enjoy interest-free repayment, and interest will be calculated from the entry date and compounded monthly. Our interest rate benchmark is 0.5 ‰ per day, and the upper and lower limit standards are set in strict accordance with the relevant regulations of the People's Bank of China, and will be adjusted in time according to regulatory requirements.
China Construction Bank-What is credit card cash transfer?
China Construction Bank-What is the credit card cash transfer limit?
China Construction Bank-Charge Standard for Cash Transfer by Credit Card
China Construction Bank-Available Funds for Cash Transfer or Withdrawal by Credit Card