Do you know how to transfer money by credit card? What do I need to transfer money by credit card? If you don't know, let's see how to transfer money by credit card.
The answer is yes, but there is a quota limit and the handling fee is not low. If you need to transfer money, you can open a credit card online banking. The operation is as follows: Take China Construction Bank as an example. Only when you open the card and set the password of consumption _ cash withdrawal can you register online.
1. Log on to the website of China Construction Bank.
2. Click on the online banking service.
3. Click to open online banking service.
4. Confirm the customer service agreement.
5. Enter personal data according to the prompt, in which the account number is your credit card and the account password is your credit card consumption _ cash withdrawal password. Enter the additional code according to the box on the right. After the registration is successful, you can log in to the credit card online bank with your ID number, login password entered at the time of registration and the additional code prompted, so that the credit card transfer can be realized. How to transfer a credit card to Alipay It should be noted that credit card withdrawal is different from credit card withdrawal. Cash withdrawal by credit card is one of the inherent functions of credit card itself. Cardholders can withdraw cash from the bank by credit card. Credit card withdrawal mainly includes overdraft withdrawal and overpayment withdrawal. You need to pay interest for overdraft cash withdrawal, and the interest will be calculated from the day you withdraw cash, while the overpayment cash withdrawal does not require interest, only a part of the handling fee, depending on the bank's regulations. Credit card cash withdrawal mainly includes overdraft cash withdrawal and overpayment cash withdrawal. Overdraft cash withdrawal is a small cash loan provided by banks to help cardholders flexibly allocate funds when they are in urgent need.
The above is the specific content of how to transfer money by credit card, hoping to bring help to everyone.
How to transfer a credit card to a bank card?
I. Overpayment Transfer
Overpayment transfer means that if you want to withdraw more money from 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 0.5%-3%.
Second, cash in advance
Direct credit card transfer, equivalent to cash advance, can be transferred to UnionPay card of any bank (not limited to my name) at the designated bank ATM in the designated city. The premise of direct credit card transfer is that you must have a debit card of the bank and open one of telephone banking, online banking and mobile banking. This kind of transfer, in addition to the handling fee, also charges interest, from the date of transfer, the daily transfer amount of interest. And the general transferable amount is 50% of the credit card limit.
3. Cash transfer by installment.
According to the cardholder's credit limit and card use record, the available cash installment limit is also different. For example, the maximum cash installment amount of China Merchants Bank is 50,000 yuan.
After the cash installment is successful, the money will be transferred to the debit card in the cardholder's own name. There is no interest on cash installment, but there is a handling fee.
Precautions for credit card transfer:
Usually, credit cards have a fixed amount and a cash withdrawal amount, and the cash withdrawal amount is configured according to 50% of the credit card amount.
For credit card overdraft withdrawal, in addition to the withdrawal fee (0.5% of the withdrawal amount, at least 2 yuan), interest of 0.5 ‰ of the withdrawal amount will be charged every day from the date of withdrawal, with a maximum withdrawal of 2,000 yuan per card per day, and the cumulative withdrawal will not exceed half of the credit card limit.
When many banks borrow cash in advance, they can only withdraw cash from their bank cards with credit cards, so users had better prepare debit cards with credit cards in advance.
Credit card cash advance has no interest-free period. From the date of advance, users need to pay 0.05% of the daily interest rate. The maximum amount of cash advance by credit card is 50% of the total amount. If the remaining available credit card limit is less than 50%, only the remaining credit limit can be withdrawn.
How to transfer money to others by credit card?
Credit card transfer is conditional. Users who need credit card transfer must have a debit card of our bank and open one of telephone banking, online banking and mobile banking. Cardholders must pay the bill and related expenses after transferring cash in advance. Charge five ten thousandths of interest every day, plus related handling fees.
Take China Construction Bank as an example, only when the card is opened and the password of consumption _ cash withdrawal is set can online registration be handled.
1. Log on to the website of China Construction Bank.
2. Click "Online Banking" service.
3. Click to open the "online banking" service.
4. Confirm the customer service agreement.
5. Enter personal data according to the prompt, in which the account number is your credit card and the account password is your credit card consumption _ cash withdrawal password. Enter the additional code according to the box on the right.
6. After the registration is successful, you can log in to the credit card online bank with your ID number, login password entered at the time of registration and the additional code prompted, so that the credit card transfer can be realized.