1. A savings card can transfer money to a credit card, and there is no handling fee for transferring money from a peer savings card to a credit card. However, credit cards generally cannot be converted into savings cards through overdraft. Credit card overdraft transfer will generate additional interest charges, which are generally charged at ,5% per day. Banks generally regard credit card to debit card as credit card overdraft, so the charging standard of this case is the same as that of credit card overdraft. The interest is five tenths of the daily interest, that is, 1K yuan and 5 cents a day. It is charged by the day. Different banks charge different fees. Charge according to the amount, each amount has an upper limit, generally 2K to 3 K. Even if the card saves its own money, it will charge a certain fee for outward transfer, which is different from that of a bank.
2. It should be noted that the difference between credit card withdrawal and cash withdrawal is as follows: there is a limit on the amount of credit card withdrawal. The withdrawal limit of most credit cards is 3%~5% of the total credit card limit, and the daily withdrawal amount is limited. Most banks have a cash withdrawal limit of 2 yuan. If customers want to withdraw large amounts of money, they have to withdraw it slowly day by day, which is definitely unfavorable for customers who have large capital needs temporarily. The biggest difference is the difference in loan amount. The loan amount of cash advance is close to 1% of the credit limit. Some banks will temporarily increase the cardholder's quota, and then advance a certain proportion of cash, equivalent to 1% of the original credit limit. Of course, because the limit can be temporarily increased, the bank will only provide this service for customers with very good credit records.
3. Another advantage of cash overdraft business is "interest-free" and "interest-free". After the credit card is withdrawn, the bank charges interest at the daily interest rate of ,5%; After the credit card advances cash, the cardholder only needs to pay the installment fee, which is similar to the installment fee of the credit card installment shopping business. The application process of cash overdraft business is similar to that of bank loan, but there is no need for mortgage. As long as the cardholder's revolving credit status is good and his account is normal, he can generally apply.
4. A savings card can be transferred to a credit card, while a peer savings card can be transferred to a credit card without a service charge. However, credit cards cannot be converted into savings cards through overdraft. Credit card overdraft transfer will generate additional interest charges, which are generally calculated and collected at ,5% per day. Banks generally regard credit card to debit card as credit card cash in advance, so the charging standard in this case is the same as credit card cash in advance. The interest rate is ,5% of the daily interest rate, that is, 1K yuan is 5 cents per day, with daily interest. Different banks charge different fees. Fees are charged on a per-transaction basis, and there is an upper limit for each amount, which is generally 2K to 3 K. Even if the card saves its own money, there will be a certain handling fee for the outward transfer, which is different from that of the bank. The withdrawal amount of most credit cards is 3%~5% of the total credit card amount, and there is a limit on the amount of withdrawal in a single day. Most banks have a cash withdrawal limit of 2 yuan. If customers want to raise large amounts of money, they have to do it slowly day by day, which is definitely not good for customers who have large capital needs temporarily.