Credit cards cannot be directly transferred to bank cards.

Credit card belongs to credit card, which is essentially different from debit card. The money in the debit card is your own and can be transferred to others at will, while the money in the credit card belongs to the bank. Under normal circumstances, it can only be used for consumption and can only be transferred under special circumstances.

Credit card transfer is divided into two categories, one is overpayment transfer and the other is cash withdrawal by credit card. Overpayment refers to the excessive payment of funds by credit card customers or the funds deposited in credit card accounts. If you want to take it out, you can only transfer it to a peer savings card in my name, and it is not free, and you need to charge a certain handling fee, usually between 0.5% and 3%. Cash withdrawal by credit card is actually cash advance, and there will be certain handling fees and interest. After withdrawing the cash, deposit the cash in the debit card and then transfer the money. It should be noted that credit cards and debit cards must belong to the same bank and cannot cross banks, and one of telephone banking, online banking and mobile banking must be opened.

Regarding credit card transfer, Alipay clearly stipulates that the money in the credit card cannot be transferred to Alipay. At present, only balance, express savings card, express savings card (cartoon), savings card online banking and balance treasure transfer are supported. Unless the cash installment function of credit card is used, bank card transfer is supported.

Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

The credit card stipulated in the relevant laws of our country (Interpretation of the Provisions of NPC Standing Committee on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. 20 17 12 1, the English translation and writing standards for public services were formally implemented, and the English names of credit cards were specified. Credit card consumption is a non-cash transaction payment method, and there is no need to pay cash when spending, and repayment is made on the billing day.

Can I transfer a credit card to a bank card?

Credit card money can be transferred to bank card. There are three ways to transfer credit card money to bank card: overpayment transfer, cash advance and cash installment transfer.

1, overpaid transfer. Overpayment transfer means that if you want to withdraw more money from your credit card, you can only transfer it to your own peer savings card, and it is not free, and you need to charge a certain handling fee, usually 0.5%-3%.

2. Cash in advance. Direct credit card transfer, equivalent to cash advance, can be transferred to UnionPay card of any bank (not limited to my name) at the designated bank ATM in the designated city. 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. This kind of transfer, in addition to the handling fee, also charges interest, from the date of transfer, the daily transfer amount of interest. And the general transferable amount is 50% of the credit card limit.

3. Cash transfer by installment. According to the cardholder's credit limit and card use record, the available cash installment limit is also different. For example, the maximum cash installment amount of China Merchants Bank is 50,000 yuan. After the cash installment is successful, the money will be transferred to the debit card in the cardholder's own name. There is no interest on cash installment, but there is a handling fee.

Extended data:

Precautions for credit card use

1, large cash withdrawal

If you withdraw a lot of cash, the bank will think that your funds are extremely insufficient, which will affect your withdrawal qualification!

2. The number of swipes is too small

Frequent swiping of ordinary credit cards to increase the credit card limit is also a process for banks to generate fee income. Of course, the banking industry hopes that cardholders can spend more than 6 times a month frequently, and it is easy to get approval if the monthly credit card amount exceeds 50% of the total.

3. Don't swipe your card at the point merchant.

Some merchants without points often just pay by credit card, which is not conducive to withdrawing money and raising the amount, such as real estate, public welfare, wholesale and so on. Cardholders should avoid spending credit cards in these merchants, and spend in restaurants, entertainment, department stores and other places to facilitate the withdrawal and accumulation of credit card points.

4. The vicious circle of raising cards with cards.

Many people will repay their credit cards in a cycle, which is very bad, because this method can only cause one consequence: interest will soar and eventually it will not be paid.

It has been phased, but it has been repaid many times in advance.

Even if repayment is made in advance, there will still be expenses in installments, but this will not reduce the interest of the first installment because of prepayment.

6. Buy online virtual goods

Remember, don't use credit cards to buy online virtual items, such as game cards, game numbers and other virtual items. Banks will suspect that you are cashing in, or judge that you are an irrational consumer. People with high quality will not spend a lot of money on credit cards to play games.

7. Overdraft immediately after application

It is unwise to do so. When many people apply for a loan for the first time, they will get hot-headed and swipe their credit cards wildly, resulting in an overdraft limit.

8. Do not handle installment or cash withdrawal business.

Credit cards and cash withdrawals are bank charges, and cardholders have to bear certain handling fees. Of course, banks are also happy to see cardholders handle the above business and apply to the bank for withdrawal after installment or cash withdrawal, which is convenient for bank approval.

9. Suddenly crazy about credit cards for a period of time, and even a large number of consumer banks prefer customers who are stable, rational and have good consumption habits. If you don't use your credit card for a long time and suddenly spend it crazily for a while, then the bank will think that your consumption situation is unstable and unreasonable, and even suspect that you have personal financial problems.

Can a credit card be transferred to a bank card?

Credit cards can be directly transferred to bank cards, and users can directly transfer the credit card amount to their peers' savings cards when handling cash advance business. Cash advance, like cash withdrawal by credit card, needs to pay withdrawal fee and interest. Therefore, credit card to bank card is only suitable for short term.

Before a credit card is transferred to a bank card, the credit card must have a cash withdrawal limit. When the withdrawal amount is insufficient or used up, users will not be able to borrow cash in advance.

Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

The credit card stipulated in the relevant laws of our country (Interpretation of the Provisions of NPC Standing Committee on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. 20 17 12 1, the English translation and writing standards for public services were formally implemented, and the English names of credit cards were specified.

Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.

From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate).

On May 25th, 2002/KLOC-0, the Supreme People promulgated and implemented the Provisions of the Supreme People on Several Issues Concerning the Trial of Civil Cases of Bank Cards.

Can I save money with a bank card?

1, you can save money, but credit cards are used for consumption, not for settlement, so don't use credit cards as savings cards.

Because credit card is different from debit card, no matter how much money you deposit in credit card and how long it lasts, there is no interest.

Not only that, if you want to withdraw the money in it, most banks will charge an overpayment to get back the handling fee.

4, the so-called overpayment, refers to the credit card users pay more money at the time of repayment or take out the funds deposited in the credit card account to pay a certain fee.

To put it simply, there are some deposits in the credit card that exceed the bills that should be repaid, so there is a charge for taking them out.

Can I transfer money by credit card?

Credit cards can be transferred to bank cards.

Credit card transfer is equivalent to cash advance (withdrawal), which mainly provides cardholders with small cash loans. Cardholders can obtain funds by withdrawal or overdraft transfer without pre-deposit.

Cardholders can transfer money to UnionPay cards of any bank (not limited to their own names) on ATM machines. You can also transfer money to my debit card through online banking, mobile banking and telephone.

Extended data

Fees and interest are charged according to the following standards:

1. handling fee: the handling fee for RMB cash advance in China is 1% of each cash withdrawal amount, and the minimum fee is 10 RMB; 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.

2. Interest: prepaid cash 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 ‰, and compound interest will be charged monthly.