It refers to transferring the excess deposits in the Shanghai Pudong Development Bank credit card to the debit card of the same Shanghai Pudong Development Bank.

According to the query on Xicai.com: Transferring the RMB balance of Shanghai Pudong Development Bank credit card means transferring the excess deposits in the Shanghai Pudong Development Bank credit card to the debit card of the same Shanghai Pudong Development Bank, or transferring the balance in the card through online banking. Transfer to a debit card from the same bank. This can be seen as an operation of withdrawing money or transferring excess funds out.

The purpose of transferring the RMB balance of Shanghai Pudong Development Bank credit card is mainly to transfer excess funds to facilitate consumers to carry out other consumption behaviors.