Credit cards can transfer money to others, but there are some restrictions and precautions. There are two main ways to transfer money to others with credit cards: Bank credit card transfer: The funds from the credit card can be transferred directly to the payee's savings card. . However, this method requires payment of a certain handling fee, and interest will begin to accrue on the day of transfer. The daily interest rate is generally 0.05, and the annualized interest rate is approximately 18. It should be noted that the handling fees and interests of different banks may be different, and the interest rates are higher, so you need to carefully compare the fees and services of different banks when making transfers. Transfer via payment account: You can also top up credit card funds to the payment account and then withdraw funds to the savings card. The handling fee of this method is relatively low, generally around 0.5, and there is no interest. However, it should be noted that payment companies have limits on daily transfer limits and may not support credit card transfer services of some banks, so you need to understand the relevant regulations before using them. In addition, there are some restrictions on credit card transfers: Credit cards usually cannot be transferred directly to another credit card or someone else's credit card account, but can only be transferred to a savings card or payment account. When transferring money, you need to make sure there is enough available credit in your credit card account, otherwise the transfer may fail or you may need to pay additional fees. Transfer operations need to be carried out on the official website or mobile application of the bank or payment company, and the security of the network environment must be ensured to prevent the leakage of personal information and loss of funds