2 debit cards, that is, savings cards, have the transfer function.
you can choose to transfer money at the bank counter, or you can choose to handle online banking or mobile banking.
In addition, you can choose a third-party payment platform to transfer money: Baidu Wallet, WeChat, Alipay, etc.
3 main functions of credit card:
① overdraft consumption: overdraft consumption can be made without deposit, thus improving the quality of life.
② personal credit enhancement: accumulate personal credit through good use of credit cards, add credit records in credit files, and benefit for life
③ revolving credit granting: repay credit card arrears on time, the credit line will be immediately restored, and if used properly, it can be used as a life-long loan.
④ cash advance: the credit card limit can be used not only for consumption, but also for cash advance, and the amount of cash to be borrowed is generally 5% of the credit limit.
4 Disadvantages of credit card:
① Overspending easily leads to blind consumption and excessive consumption
② Credit card provides an interest-free period of 2-56 days, but if it fails to repay the loan on time, the bank will charge high interest.
③ Overdue repayment will affect personal credit.