A credit card is a credit card. The overdraft limit in a credit card is an amount of money granted by the bank to the cardholder to encourage the cardholder to use the card for consumption. Transfer is not consumption, so it does not belong to the basic requirements of a credit card. Function.

It is understood that the credit cards of several banks such as Industrial and Commercial Bank of China, China Construction Bank, Agricultural Bank of China, and China CITIC Bank can transfer funds to the savings cards of peers but cannot realize inter-bank transfers. Bank of China, Bank of Communications, China Guangfa Bank, Several banks, such as China Merchants Bank and Ping An Bank, can transfer credit card overdraft amounts to peer savings cards, and also support inter-bank transfers of credit card overdraft amounts. However, the handling fees for inter-bank transfers of credit card overdraft amounts are relatively high, and there are many restrictions on handling them.

Currently, in addition to China UnionPay’s online credit card repayment business, there are also third-party payment platforms such as Kuaiqian, Alipay, and Tenpay. This type of repayment method has nothing to do with the online banking function of the card issuer. Even if the cardholder has not opened online banking, the debit card balance can be used to pay the credit card debt.