How to transfer the credit card money to the bank card

The credit card money can be transferred to the bank card in the following ways:

1. The user logs in to the online bank or the credit card APP, selects the credit card to withdraw cash, then selects the cash advance option, and then fills in the receiving bank to transfer the credit card amount to the bank card;

2. Users can insert their credit cards and savings cards into the ATM, and then take out the money and deposit it in the savings card;

3. Users can also go to bank outlets to find staff to handle the withdrawal and transfer business.

a credit card, also known as a debit card, is a credit certificate issued by a commercial bank or credit card company to a consumer with qualified credit. It is in the form of a card with the 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 special commercial service departments for shopping or spending. Credit card consumption is a non-cash transaction payment method, and there is no need to pay cash when spending, and repayment will be made on the billing date.

Can a credit card be transferred to a bank card?

Credit cards are different in nature from debit cards. Credit cards consume first and then repay, while debit cards deposit first and then consume. The order of deposit and consumption directly determines the nature of credit card and debit card. Therefore, credit cards are mainly used for consumption, while debit cards are used for deposit, transfer and cash withdrawal, but credit cards can also be used for transfer when special needs arise.

There are two types of credit card transfer. One is overpayment transfer, that is, if you want to take out more money in 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 .5%-3%.

if the user has no disposable funds, but needs to transfer money, he can withdraw cash by credit card, and then deposit the cash in a debit card before transferring money. That is another kind of direct credit card transfer, which is equivalent to cash advance. Although this method is convenient, it is not a long-term solution for users. Because the premise of using this method to transfer money is that you must have a debit card of the bank and open one of telephone banking, online banking and mobile banking. Moreover, this kind of transfer, in addition to the handling fee, also charges interest, from the date of transfer, five ten thousandths of the daily transfer amount bears interest. Moreover, the general transferable amount is 5% of the credit limit, and there is an upper limit every day. Most banks pay 2 yuan a day.

Take the withdrawal behavior as an example. At present, the daily cash withdrawal limit is 2, yuan by credit card overdraft, and the handling fee is charged at 1% of the cash withdrawal amount, with the minimum charge of 1 yuan. In addition to the formalities, interest of .5% of the cash withdrawal amount will be charged every day, which is also a big expense.

Can a credit card transfer money to a bank card?

A credit card can be directly transferred to a bank card. Users can apply for cash advance business and directly transfer the credit card amount to their peers' savings cards. Cash advance is the same as cash withdrawal by credit card, and both of them need to pay withdrawal fee and interest. Therefore, credit card transfer to bank card is only suitable for short term.

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

a credit card, also known as a debit card, is a credit certificate issued by a commercial bank or credit card company to a consumer with qualified credit. It is in the form of a card with the 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 special 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 limit.

The credit card stipulated in the relevant laws of our country (Interpretation of the NPC Standing Committee on the Provisions on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or some functions such as consumer payment, credit loan, transfer settlement, cash deposit and withdrawal. On December 1, 217, the Standard for English Translation and Writing in Public Service Field was officially implemented, stipulating that the English name of the CreditCard standard is Credit Card.

credit card consumption is a non-cash transaction payment method, and it is not necessary to pay cash when spending, and the repayment will be made on the BillingDate.

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards with a certain credit limit within which the cardholder 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 as required, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the specified credit limit. The credit card generally refers to a credit card.

from January 1, 221, the credit card overdraft interest rate will be 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 will be cancelled (the original upper limit is .7 times of the daily interest rate, and the lower limit is .7 times of the daily interest rate).

On May 25th, 221, 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 deposit money with a bank card?

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

2. Because credit cards are different from debit cards, no matter how much or how long you deposit money in a credit card, there is no interest.

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

4. The so-called overpayment refers to the overpayment of funds by credit card users or the funds deposited in credit card accounts, and a certain fee must be paid when they are withdrawn.

5. To put it simply, there are some deposits in the credit card that exceed the payable bills, and they will be charged when they are taken out.

can I transfer money from a credit card to a bank card?

you can transfer money.

First of all, in the latest credit card policy, credit cards can be transferred to bank cards. There are two forms of transfer:

1. Bank credit card transfer. You can transfer the credit card funds to the bank's savings card. The handling fee is about 1%, and the interest is calculated on the day of transfer, with a daily interest rate of .5% and an annualized interest rate of about 18%. At present, basically all banks can do this, but the interest is relatively high.

2. You can recharge your credit card to the payment account, and then withdraw it to the savings card. This function can only be done by the payment company. The credit card recharge function of Alipay has stopped, and the Shoucai Deer who cooperates with eBay Pay can still do it. The handling fee is about .5%, and there is no interest. The disadvantage is that the amount of the day is only 3, ~ it does not support Bank of Communications.

credit card type:

according to different card issuers, it can be divided into bank cards and non-bank cards

bank cards. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or withdraw cash at any time at all branches of the issuing bank or places with ATMs.

non-bank card. This kind of card can be divided into retail credit card and travel entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are dedicated to shopping in designated stores or filling gas stations, etc., and are settled regularly. Travel and entertainment cards are credit cards issued by service industries, such as airlines and travel companies, which are used for ticket purchase, dining, accommodation and entertainment.

according to different issuers, it can be divided into corporate cards and personal cards

corporate cards. Corporate cards are issued to all kinds of industrial and commercial enterprises, scientific research and education institutions, party and government organs, military units, organizations and other legal organizations.

personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. Personal cards are applied for in the name of individuals and bear all the responsibilities of using them.

According to the credit status of cardholders, it can be divided into ordinary cards and gold cards.

Ordinary cards. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and their requirements are not high.

gold card. Gold card is an advanced credit card that pays high membership fee and enjoys special treatment.

card issuers are those with high credit, strong repayment ability and credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are much wider, so the requirements for related service fees and guarantee money are also higher.

according to different payment methods, credit cards can be divided into credit cards and quasi-credit cards

credit cards. It is that when the issuing bank provides bank credit, it overdraws first, and then repays or pays by installments. Most of these cards are used in international circulation. That is to say, the way to allow cardholders to pay off their credit card accounts is "consume first, then deposit". Most of these cards are used in international circulation.

quasi-credit card. It is a credit card issued by the bank, which deposits first and then consumes. When applying for a credit card, the cardholder needs to deposit a certain amount of money in the issuing bank in advance for backup. The cardholder needs to use the card on the basis of the deposit balance, and generally overdraft is not allowed.

according to the different circulation scope of credit cards, they can be divided into international cards and regional cards.

an international card is a credit card that can be used outside the issuing country, and it is universal. MasterCard, VISACard, AmericanExpressCard, JCBCard and DinersClubCard issued by five overseas groups (MasterCard, Visa International, American Express, JCB Card and Diners Club Card) are mostly international cards.

area card. Regional card is a kind of credit card that can only be used in the issuing country or in a certain area. Most credit cards issued by commercial banks in China belong to regional cards.

This is the end of the introduction about how to transfer credit card to bank card and how to transfer credit card to bank card. Did you find the information you need?