The essence of credit card is different from debit card. Credit cards are paid first, and debit cards are paid first. The order of deposit and consumption directly determines the nature of credit cards and debit cards. Therefore, credit cards are mainly used for consumption, debit cards are used for deposit, transfer and cash withdrawal, but credit cards can also be used for transfer when there are special needs.

There are two types of credit card transfers. One is overpayment transfer, that is, 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%.

If the user has no disposable funds, but must transfer money, he can withdraw cash through a credit card, then deposit the cash in a debit card and transfer money. That's another kind of credit card direct 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, the daily transfer amount of five ten thousandths of interest. Moreover, the general transferable amount is 50% of the credit line, and there is an upper limit every day. Most banks pay 2000 yuan a day.

Take the current situation as an example. At present, the daily cash withdrawal limit is 2000 yuan, and the handling fee is charged at 1% of the cash withdrawal amount, with a minimum charge of 10 yuan. In addition to the formalities, you have to charge interest of 0.5% of the cash withdrawal amount every day, which is also a big expense.

Can I transfer a credit card to a bank card?

Credit cards can be directly transferred to bank cards, and users can directly transfer the credit card amount to their peers' savings cards when handling cash advance business. Cash advance, like cash withdrawal by credit card, needs to pay withdrawal fee and interest. Therefore, credit card to bank card is only suitable for short term.

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

Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with 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 specialized 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 limits.

The credit card stipulated in the relevant laws of China (Interpretation of the NPC Standing Committee on Credit Card Terms in the Criminal Law of People's Republic of China (PRC)) 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.

Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and 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 according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.

From the date of 202 1 1 1, the credit card overdraft interest rate is 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 is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate).

On May 25th, 2002/KLOC-0, 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 save money with a bank card?

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

Because credit card is different from debit card, no matter how much money you deposit in credit card and how long it lasts, there is no interest.

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

4, the so-called overpayment, refers to the credit card users pay more money at the time of repayment or take out the funds deposited in the credit card account to pay a certain fee.

To put it simply, there are some deposits in the credit card that exceed the bills that should be repaid, so there is a charge for taking them out.

How to transfer the credit card money to the bank card?

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

1. Users log in to online banking or credit card APP, select credit card for cash withdrawal, then select the cash advance option, fill in the receiving bank, and transfer the credit card amount to the bank card;

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

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

Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with 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 specialized 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 is made on the billing day.

So much for the introduction of credit card to bank card.