CITIC Bank credit cards can be used to transfer funds, generally divided into two types: pre-deposited amount transfer and credit limit overdraft transfer. These two transfer methods are subject to handling fees. The transfer fee for the pre-deposited amount is 3‰ of the transfer amount, and the minimum fee is 5 yuan. The credit limit overdraft transfer fee is 3% of the transfer amount, and the minimum fee is 30 yuan. In addition, the cardholder also needs to pay a daily interest of 0.5% of the cash advance amount, which is compounded on a monthly basis.