1. Overpayment transfer. If the user deposits a lot when returning the credit card, he can transfer the money to the bank's savings card through the bank counter, ATM and other channels, and the handling fee is generally 0.5%-3%.
2. Cash transfer by installment. Users can apply for cash installment according to the credit limit of their credit card, and transfer money to the debit card in the name of the issuing bank through online banking and mobile banking, and the bank will charge a handling fee according to the number of installments of users.