If you want to transfer the credit card money to your bank card, the customer can withdraw it. You can log in to the online banking/mobile banking/credit card APP on Android and Apple phones, select the credit card to withdraw the credit limit, then check the cash advance option, and then provide the receiving bank++to transfer the credit card limit to the bank card.

Of course, customers can also take credit cards and savings cards directly to the outlets to withdraw cash, insert the cards into ATM machines, and then deposit the money into bank cards. Or go directly to the counter to find the staff to handle the cash withdrawal and transfer procedures.

However, it should be noted that credit cards generally cannot be fully transferred to bank cards, because the withdrawal amount of credit cards is usually only 50% of the credit line. In other words, customers can transfer up to half the quota.

After the credit card is cashed out, customers must also remember to repay on time. If it is not paid off on time within the specified time, personal credit will be damaged, and the credit limit may not be restored at that time, which will also affect the subsequent use of credit cards.

Data expansion:

Consequences of non-return of credit cards:

The first consequence: affecting personal credit information.

Now it is a credit society, and personal credit investigation is very important for a person. If personal credit information is tainted, it is basically impossible to buy a house and a car with a loan in the future. First of all, one thing needs to be clear, that is, if the credit card owes money and does not pay it back, it will definitely have a serious impact on credit reporting.

In the old version of the central bank's credit report, bad records were kept for 5 years and good records were kept for 2 years. The new version of the credit report, personal credit report shows "5-year repayment record". And in the future, everyone's monthly repayment records and breach of contract will be reflected in the report in detail. Therefore, you must not owe money, or you will go to the central bank's credit information system, which will affect the loan to buy a house and a car in the future. If the circumstances are serious, you will be restricted from traveling and unable to buy air tickets or train tickets.

The second consequence: if the circumstances are serious, it may constitute a crime.

First of all, I want to explain a term here, that is, what is a malicious overdraft of credit cards. The so-called malicious overdraft means that for the purpose of illegal possession, you overdraw beyond the prescribed limit, and the bank urges you to repay twice, and you have not returned the money to the bank for more than 3 months. Banks will adopt different collection methods according to different situations. Of course, banks are legal institutions, so their collection methods must be legal.

In order to give you enough repayment time, the bank will provide repayment "time tolerance" service and increase repayment tips every month. Generally, overdue credit cards do not constitute a crime. However, if it constitutes a credit card++crime, then you need to bear legal responsibility. If the circumstances are serious, they may face the risk of imprisonment.

How to transfer a credit card to a bank card?

I. Overpayment Transfer

Overpayment transfer means that 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%.

Second, cash in advance

Direct credit card transfer, equivalent to cash advance, can be transferred to UnionPay card of any bank (not limited to my name) at the designated bank ATM in the designated city. The premise of direct credit card transfer is that you must have a debit card of the bank and open one of telephone banking, online banking and mobile banking. This kind of transfer, in addition to the handling fee, also charges interest, from the date of transfer, the daily transfer amount of interest. And the general transferable amount is 50% of the credit card limit.

3. Cash transfer by installment.

According to the cardholder's credit limit and card use record, the available cash installment limit is also different. For example, the maximum cash installment amount of China Merchants Bank is 50,000 yuan.

After the cash installment is successful, the money will be transferred to the debit card in the cardholder's own name. There is no interest on cash installment, but there is a handling fee.

Precautions for credit card transfer:

Usually, credit cards have a fixed amount and a cash withdrawal amount, and the cash withdrawal amount is configured according to 50% of the credit card amount.

For credit card overdraft withdrawal, in addition to the withdrawal fee (0.5% of the withdrawal amount, at least 2 yuan), interest of 0.5 ‰ of the withdrawal amount will be charged every day from the date of withdrawal, with a maximum withdrawal of 2,000 yuan per card per day, and the cumulative withdrawal will not exceed half of the credit card limit.

When many banks borrow cash in advance, they can only withdraw cash from their bank cards with credit cards, so users had better prepare debit cards with credit cards in advance.

Credit card cash advance has no interest-free period. From the date of advance, users need to pay 0.05% of the daily interest rate. The maximum amount of cash advance by credit card is 50% of the total amount. If the remaining available credit card limit is less than 50%, only the remaining credit limit can be withdrawn.

Can I transfer a credit card to a bank card?

You can transfer money. There are two kinds of credit card transfer, namely: 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%. Direct transfer by credit card is equivalent to cash advance. 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. This kind of transfer, in addition to the handling fee, also charges interest, from the date of transfer, the daily transfer amount 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.

Consequences of overdue credit card bills: liquidated damages, usually the minimum repayment amount, 5% of the unpaid part. Interest is high, and it is rolling interest. When there are many debts, interest is scary. Overdue will tarnish the credit record, resulting in the inability to handle financial needs such as buying a house and lending in the next two years. Overdue for more than 3 months, the amount exceeds 1 0,000, and the bank has repeatedly reminded it to be unsuccessful. At that time, you will not only pay back the money, but also bear criminal responsibility.

First, the conditions for credit card to bank card, credit card can be transferred to bank card. If you want to transfer money to the bank card of the issuing bank, you need to apply for a debit card (that is, an ordinary savings card) of the bank, and then open one of telephone banking, online banking and mobile banking, so you can transfer the money in the credit card or advance the cash to the bank card. If you want to transfer money to another bank's card, you can go through the formalities in accordance with the relevant regulations of the bank and pay an extra handling fee. The process of transferring credit cards to bank cards, taking China Construction Bank as an example, requires the following processes: logging in to the website of China Construction Bank; Click "Online Banking Service; Click to open "online banking service; Confirm the customer service agreement; Enter personal data according to the prompt, where the account number is credit card++and the account password is credit card consumption _ cash withdrawal password. Enter the additional code according to the box on the right.

Second, the essence of credit card transfer is equivalent to cash withdrawal by credit card, so there will definitely be a handling fee. If it is an overpayment transfer, that is, the excess money in the credit card can only be transferred to the peer savings card under my name, and the handling fee to be charged is generally 0.5%-3% of the total amount. For cash advance transfer, the handling fee varies from bank to bank, but it is generally between 1%-3%.

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

Credit card money cannot be transferred out, but it can be withdrawn. Cash withdrawal methods include: cash transfer, cash installment or ATM direct cash withdrawal.

First, make sure that the credit card status is normal and there is enough available cash withdrawal limit before you can handle the cash withdrawal business ~

Cash transfer is equivalent to overdraft cash withdrawal and does not enjoy interest-free repayment. Interest will be charged from the date of withdrawal, and compound interest will be calculated on a monthly basis. There will also be a withdrawal fee.

There is a monthly handling fee for cash installment. You can call the bank customer service phone for details before handling.

Three methods that you can absolutely use to transfer money from credit card to bank card.

Can I transfer a credit card to a bank card? Friends who have just started to contact credit cards will have such questions. Credit card has many functions, such as credit card consumption, online payment, overdraft and cash withdrawal, which provides convenience but also has disadvantages. Let's take a look together.

There are usually the following three methods:

1, overpaid transfer. Overpayment transfer means that if you want to withdraw more money from your credit card, you can only transfer it to your peer savings card in my name, and it is not free. You need to charge a certain handling fee, usually cash in advance. Direct credit card transfer, equivalent to cash advance, can be transferred to UnionPay card of any bank (not limited to my name) at the designated bank ATM in the designated city. The premise of direct credit card transfer is that you must have a debit card of the bank and open one of telephone banking, online banking and mobile banking.

The handling fee for domestic RMB transfer is 1% of each transfer amount, and the minimum handling fee is 10 RMB for each transfer; The handling fee for overseas transfer is 3% of each transfer amount, with a minimum charge of USD 3 or 30 yuan RMB (except for cards with special provisions).

3. Help friends pay the bill. Use the payment function of credit card to help friends who don't have a credit card to complete the payment. When he pays back the money, let him transfer it directly to your bank card. In this way, there will be no handling fee and no interest expense.

Reminder: From the date of transfer, interest will be charged at the rate of five ten thousandths of the daily transfer amount. And the general transferable amount is 50% of the credit card limit.

Disadvantages of changing credit card to bank card

1, the withdrawal cost is high: credit card withdrawal not only requires a handling fee, but also does not enjoy the interest-free period of normal consumption. From the date of withdrawal record, interest shall be calculated at the rate of five ten thousandths per day.

2. Full repayment is required when repayment is made: cash withdrawal is different from overdraft consumption, and full repayment is required on the repayment date, and cannot be made in installments. If the user's repayment ability is limited and a large amount of cash is withdrawn by credit card, it will cause the problem of difficult repayment.

Therefore, it is considered that card friends should try to transfer money by savings card, and it is not cost-effective to transfer money by credit card.

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

To transfer money from a credit card to a bank card, you need to look at the following two situations, as follows:

1. When the user's money is deposited in the credit card and the amount exceeds all the debts under the account, this money is called overpayment, which can be used to deduct the subsequent credit card consumption, or transferred to other bank cards, but a handling fee will be charged when transferring out. Take the Agricultural Bank of China as an example, the handling fee is 1% of the recovered amount, with a minimum of 1 yuan per transaction.

There is no deposit in the credit card, and now there is only a limit. At this time, the limit can only be converted into cash by applying for cash advance, and then it can be withdrawn to other bank cards. However, advance cash will charge a handling fee and interest. For example, Agricultural Bank of China charges a handling fee of 1% of the transaction amount at the bank, with a daily interest rate of 0.05%.

Precautions for credit card transfer:

Usually, credit cards have a fixed amount and a cash withdrawal amount, and the cash withdrawal amount is configured according to 50% of the credit card amount.

For credit card overdraft withdrawal, in addition to the withdrawal fee (0.5% of the withdrawal amount, at least 2 yuan), interest of 0.5 ‰ of the withdrawal amount will be charged every day from the date of withdrawal, with a maximum withdrawal of 2,000 yuan per card per day, and the cumulative withdrawal will not exceed half of the credit card limit.

When many banks borrow cash in advance, they can only withdraw cash from their bank cards with credit cards, so users had better prepare debit cards with credit cards in advance.

Credit card cash advance has no interest-free period. From the date of advance, users need to pay 0.05% of the daily interest rate. The maximum amount of cash advance by credit card is 50% of the total amount. If the remaining available credit card limit is less than 50%, only the remaining credit limit can be withdrawn.

So much for the introduction of how to transfer credit cards to bank cards.