How to transfer money to a postal bank credit card?

If the money is transferred to the bank and wants to be transferred out, the user should open the mobile banking APP and find the credit card cash transfer function. Follow the prompts to transfer the overpayment to the savings card or the user can directly withdraw cash from an offline ATM. After the withdrawal is successful, the money will be deposited into the savings card. In addition, there is a handling fee for withdrawing overpayment. If there is an overflow in the card, Just pay and consume directly.

Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate).

How to transfer Postal Mobile Banking to Rural Credit Union Card

Hello, choose inter-bank transfer. After entering the amount, when selecting the bank, scroll to the bottom and enter "Credit Union", and then Select the province where you are located. If it has it, you can transfer it. If it doesn't, you can't. Steps to transfer money from mobile postal savings bank card to rural credit union card:

1. Log in to the bank’s official website and click online banking to log in;

2. Fill in the correct user name and password to complete the login;

3. Select Transfer - Peer/Inter-bank Transfer, fill in the payee information correctly, click Submit and enter the mobile phone verification code and dynamic password correctly to complete the operation.

First download the Postal Savings Bank app (version number: V.2.10), then register and log in and select transfer - peer/inter-bank transfer

: 1: What is Postal Savings Bank

China Postal Savings can be traced back to the postal savings business launched in 1919, which has a history of more than 100 years. In March 2007, on the basis of reforming the original postal savings management system, the Postal Savings Bank of China Co., Ltd. was formally established. In January 2012, it was restructured into a joint stock limited company. In December 2015, 10 domestic and foreign strategic investors were introduced. In September 2016, it was listed on the Hong Kong Stock Exchange. It was listed on the Shanghai Stock Exchange in December 2019 and successfully completed the three-step reform goal of "shareholding reform-introduction war-A and H dual listing".

Two: What is a rural credit cooperative?

Rural credit cooperatives (English name RuralCreditCooperations, hereinafter referred to as rural credit cooperatives, rural credit cooperatives) are established with the approval of the People's Bank of China and are established by members It is formed, implements democratic management, and is mainly engaged in rural cooperative financial institutions. Provide financial services to members.

Rural credit cooperatives are independent corporate legal persons. They are responsible for the debts of rural credit cooperatives with all their assets and enjoy civil rights in accordance with the law. Its property, legitimate rights and interests and business activities carried out in accordance with the law are protected by national laws. Its main task is to raise idle rural funds and provide financial services for the development of agriculture, farmers and rural economy. In accordance with national laws and financial policies, organize and regulate rural funds, support agricultural production and comprehensive rural development, support various forms of cooperative economy and family member economy, and limit and crackdown.

Rural Credit Cooperatives consist of Rural Credit Cooperatives, Rural Credit Cooperatives International Finance Department, Zhengtong Rural Credit Cooperative Training School, Rural Credit Cooperative Credit Department and other departments. They are currently under the dual leadership of the China Banking Regulatory Commission and Rural Credit Cooperatives. State Council.

Can Postal Bank credit card transfers be accepted? Details of the handling fee standards

Credit cards encourage advanced consumption, that is, consume first and then repay, and you can enjoy a certain interest-free period. During this interest-free period, use the money to purchase other financial products to maximize your benefits. So, can I transfer money with a credit card? Today, taking Postal Bank as an example, let’s talk about postal bank credit card transfer.

First of all, the overdraft limit of Postal Bank credit card can only be used for card consumption or cash advance, and cannot be used for direct transfer. If you want to use a credit card to transfer money, you can only overdraw cash first and then deposit it into the bank card to be transferred. In this case, you will not be able to enjoy the unique interest-free service of the credit card, and you will also have to pay handling fees and interest.

1. Cash withdrawal for postal bank credit card overpayment

1. Handling fee for ordinary card cash withdrawal

In China, it is charged based on the cash withdrawal amount, with a minimum of 2 yuan , an additional handling fee of 2 yuan will be charged for inter-bank transactions;

Overseas: 1% of the cash withdrawal amount, with a minimum of 15 yuan.

2. Gold card cash withdrawal fee charging standards

In the country, it is charged according to the cash withdrawal amount, with a minimum charge of 10 yuan, and an additional 2 yuan handling fee for inter-bank transactions;

Overseas: The minimum cash withdrawal amount is 20 yuan.

2. Postal Bank Credit Card Overdraft Withdrawal

1. Overdraft Cash Withdrawal Handling Fee Standard

Ordinary Card: A handling fee of 1% of the cash withdrawal amount within the country is charged, with the minimum 2 yuan, and an additional 2 yuan handling fee will be charged for inter-bank transactions; 1 yuan of the cash withdrawal amount will be charged overseas, with a minimum of 15 yuan.

Gold Card: A handling fee of 1% of the cash withdrawal amount is charged domestically, with a minimum of 10 yuan, and an additional 2 yuan handling fee is charged for inter-bank transactions; a handling fee of 1% of the cash withdrawal amount is charged overseas, with a minimum of 20 yuan.

2. Overdraft cash withdrawal interest charging standards

Postal Bank credit card transfer is not cost-effective and is not recommended. If you are in urgent need of cash, you should pay it back as soon as possible.

That’s it for the introduction of postal credit card transfer.