Wechat can't transfer money if it is bound to a credit card. Wechat can only transfer money through change or a bound debit card. If you transfer money by credit card, it is equivalent to cashing out, so it is not allowed, because cashing out by credit card is illegal.
Credit cards bound by WeChat can usually only be used to pay for consumption. In addition to not being able to transfer money, it is also not supported to withdraw cash to WeChat wallet, and when sending WeChat red envelopes, you can't use the bound credit card to send red envelopes. Therefore, if the WeChat transfer function is required, it is recommended to use a debit card bound by WeChat.
Can I transfer money by credit card binding WeChat? In both cases, I can.
Wechat payment is becoming a trend, which is convenient, fast and simple, and is loved by many people. Moreover, many people have bound their credit cards to WeChat, making it more convenient to use them. Can I transfer money after the credit card is bound to WeChat? The answer is yes, but there are preconditions. What other banks' credit cards support binding WeChat? Let's have a look.
Can a credit card be bound to WeChat?
Wechat can transfer money by credit card. But this method is different from our ordinary debit card.
Transfer by credit card can be divided into two situations:
One is to deposit the money in the credit card first, and then transfer the money with the credit card. In case of overpayment transfer, the peers will charge a handling fee of 0.5%-3% of the transfer amount according to the credit card overpayment recovery. At present, only a few banks do not charge for overpayment recovery. Inter-bank transfer will also charge a handling fee.
The other is credit card cash withdrawal transfer, that is, the overdraft limit of credit card is directly used for transfer operation. In fact, the overdraft limit of credit card is transfer, which is equivalent to cash withdrawal. In case of overdraft transfer, in addition to the withdrawal fee of 1%-3% (not charged by some banks), credit card interest will be charged at the rate of 0.5 ‰ from the date of withdrawal.
Credit cards can be bound to WeChat, and credit cards such as Agricultural Bank, China Construction Bank, China CITIC Bank, Ping An Bank, Industrial Bank and Guangfa Bank all support the binding of WeChat. From the above, it can be concluded that it is ok to bind credit card to WeChat transfer, but there are preconditions in both cases. Everybody knows.
Credit card is bound to WeChat, can I transfer money?
You can transfer money, but you need money in your credit card.
Generally, there is no money in a credit card, but only the credit consumption limit provided by the bank, and there is no cash. If there is an overpayment in the credit card, you can transfer it out.
Off-topic:
Generally, those who don't have much money or are unwilling to pay high interest will pay in full before the final repayment date of the credit card bill. In this way, you can fully enjoy the interest-free period ranging from 20 to 60 days given by the bank. Except this repayment method, any other repayment method needs to pay full interest, and there is no interest-free period. The credit card interest is a bit high, 654.38+00,000, 5 yuan every day, and it is compound interest.
Thank you for your question.
Can't WeChat transfer be paid by credit card?
Wechat transfer cannot be paid by credit card. The main function of credit card is overdraft consumption, and it cannot be directly transferred online. However, it is ok to use a credit card for WeChat payment. As long as the other party is a merchant that supports credit card payment, the payment can be successful.
Wechat is a free application launched by Tencent on 201110, which provides instant messaging service for intelligent terminals. It was created by the product team of Tencent Guangzhou R&D Center led by Zhang Xiaolong. Wechat supports fast sending of free voice messages, videos, pictures and texts across communication operators and operating system platforms. At the same time, you can share streaming media content and location-based social plug-ins, and use service plug-ins such as "Shake", "Friends Circle", "Public Platform" and "Voice Notepad".
By the second quarter of 20 16, WeChat had covered more than 94% of smartphones in China, with 806 million monthly active users, covering more than 200 countries and more than 20 languages. In addition, the total number of brand WeChat WeChat official account exceeded 8 million, the number of mobile application docking exceeded 85,000, the advertising revenue increased to 3.679 billion yuan, and the number of WeChat payment users reached about 400 million.
Wechat provides public platform, friends circle, message push and other functions. Users can add friends and pay attention to public platforms by "shaking", "searching for numbers", "people nearby" and scanning QR codes. At the same time, WeChat will share the content with friends and share the wonderful content that users see to WeChat friends circle.
From June 5438 to February 2020, WeChat on iOS was updated to version 7.0.20, and a "WeChat Bean" was added to the profile page. 202 1, 1, 2 1, WeChat updated to version 8.0. In July, 20021year, in the latest version of 8.0.8, WeChat can not only log in to mobile phones and PC/Mac devices at the same time, but also add the function of logging in to tablet devices at the same time, which means that tablet devices are logically at the same level as mobile phones and computers in the use of WeChat, and the number of devices that users can log in at the same time has reached as many as three (165438+/kloc On the WeChat user complaint page, the item of "fans' bottomless idolization behavior" was added.
Can credit cards be transferred by WeChat?
Credit cards can't be transferred by WeChat.
According to Article 7 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, credit cards refer to all kinds of media that record the relevant information of cardholders' accounts, have the functions of bank credit line and overdraft, and provide relevant banking services for cardholders.
The credit card stipulated in the relevant laws of our country (Interpretation of the Provisions of NPC Standing Committee on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc.
20 17 12 1, the English translation and writing standards for public services were formally implemented, and the English names of credit cards were specified.
Can wechat transfer be paid by credit card?
WeChat credit card cannot transfer money, and WeChat transfer only supports savings cards.
Similar to WeChat transfer, WeChat cash withdrawal also needs to be bound with a savings card. Wechat transfers money to friends. After the other party checks, the money will enter the change first. If you withdraw cash, you can only take it to the savings card bound by the other party.
If WeChat payment function is bound to personal bank credit card, you can get free SMS service, which means you can get the latest dynamic notification of credit card for free, and you can pay attention to the dynamic problems of credit card in time.
Including personal arrears, the latest repayment date and the minimum repayment amount. However, some banks may not support it yet, and even receive subscription number information continuously.
Extended data:
WeChat transfer only supports savings card or change transfer.
Similar to WeChat transfer, WeChat red envelopes and WeChat cash withdrawals also need to be bound with savings cards. Wechat transfers money to friends. After the other party checks, the money will enter the change first. If you withdraw cash, you can only get the savings card bound by the other party, and you can't choose credit card transfer.
At present, WeChat only accepts credit card payment, and all handling fees are free.
But when you choose to transfer money by credit card, WeChat is not supported. Because this kind of behavior is equivalent to cashing in credit cards, this is the behavior that banks put an end to. Therefore, it is safest and most reliable to transfer money with a savings card.