Can China Bank Credit Card transfer money?

Yes, China Bank Credit Card supports credit balance (overpayment) transfer. You can transfer the balance to other accounts through China Bank Mobile Banking, online banking and Bank of China ATM, or withdraw the credit through the counter.

the above contents are for your reference. please refer to the actual business regulations.

if you have any questions, please contact online customer service of Bank of China.

you are cordially invited to download and use China Bank Mobile Banking APP or BOC Cross-border GOAPP to handle related business.

Can credit cards be transferred to bank cards? Just open online banking.

The number on the bank card is desperate. Is it feasible to transfer part of the overdraft from the credit card? The answer is of course. Because credit card is a financial guarantee given by the bank based on the cardholder's personal credit, many card friends mistakenly think that it is difficult to transfer funds in credit card, but it is not. Want to know if a credit card can be transferred to a bank card? Let's take a look together.

First of all, give the answer. Credit cards can be transferred to bank cards. 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 the telephone banking, online banking and mobile banking, so that you can transfer the money in the credit card or advance cash to the bank card. If you want to transfer money to another bank's card, you can go through the formalities according to the relevant regulations of the bank and pay an extra handling fee.

process of transferring credit card to bank card

Taking China Construction Bank as an example, the following processes are needed to transfer credit card to bank card:

1. Log on to the website of China Construction Bank;

2. Click "Online Banking Service;

3. Click "Online Banking Service";

4. Confirm the customer service agreement;

5. Enter personal data as prompted, in which the account number is credit card++,the account password is credit card consumption _ cash withdrawal password, and the additional code is entered according to the box on the right.

the essence of credit card transfer is equivalent to cash withdrawal by credit card, so it will definitely charge a handling fee. If it is overpayment transfer, that is, taking out the extra money in the credit card, it can only be transferred to the peer savings card in my name, and the handling fee to be charged is generally .5%-3% of the total amount. In case of cash advance transfer, the handling fee varies from bank to bank, but it is generally between 1% and 3%.

Are credit card transfers counted as cash withdrawals? They are the same thing.

From credit card transfers to savings cards, the results are different.

Seeing this, I believe you have your own opinions on whether credit cards can be transferred to bank cards. Although the answer is yes, I think that the majority of card friends still need to handle related business according to their own actual situation to prevent further inconvenience. Click on the credit card application channel to issue the card as soon as possible, which will help you relieve the pressure of consumption and solve your capital needs.

Can I transfer money with a credit card?

Normally, you can't transfer money directly with a credit card. If you want to transfer money with a credit card, you can withdraw cash with a credit card, but this method requires not only a certain handling fee, but also a daily interest of five ten thousandths. Another way is to transfer money through credit card overpayment, which also charges transaction fees.

There are two ways to transfer money by credit card:

1. The first way is to borrow cash in advance: use the credit limit of credit card to transfer money. Usually, the bank will charge 1% of the transfer amount as a handling fee, and interest will be generated on the day of withdrawal, and the interest is generally calculated at five ten thousandths.

2. The second way is through overpayment: if you use overpayment to transfer money, you don't have to pay interest, but you still have to charge a transfer fee. The charging standards of different banks are different, and the specific situation still depends on the regulations of the issuing bank.

1. If the credit card cannot be transferred, it is probably due to the following reasons:

1. The transfer amount has exceeded the overdraft withdrawal limit stipulated by the issuing bank. For example, China Construction Bank stipulates that the daily limit of mobile banking and personal online banking channels is 2, yuan, and the monthly limit is 5, yuan.

2. The cash withdrawal amount in the card has been fully withdrawn, but the customer has not repaid it, so there is no cash withdrawal amount in the current card, so it is naturally impossible to transfer money. However, as long as the customer repays the loan on time, and then the quota is restored, the transfer can be operated.

3. The card status is different, and the magnetic stripe/chip may be damaged; Or the account is frozen by the issuing bank, which makes it temporarily unusable. If there is something wrong with the collection bank card, the transfer cannot be successful.

4. Credit cards can't transfer money to each other. If customers want to transfer money, they can only transfer it to a savings card, which is actually equivalent to borrowing cash in advance.

5. The online banking/mobile banking system is busy, so it is being repaired due to failure.

6. The operation speed is too fast, resulting in timeout.

7. The network connected to the device is not good.

second, does credit card transfer count as consumption

different banks have different regulations on whether credit card transfer counts as consumption. Defined according to the rights and benefits of credit card consumption: CITIC Bank credit cards (except new network co-branded cards, Yue cards and I Platinum cards, etc.) will accumulate 1 point for general card consumption or withdrawal in RMB 1 yuan or HKD 1 yuan, 8 points for consumption or withdrawal in USD 1 or Euro, and double the points for gold or Platinum cards. However, most banks do not recognize credit card transfer or credit card withdrawal as consumption. Industrial and Commercial Bank of China and China Merchants Bank clearly pointed out that cash withdrawal and transfer by credit card are not considered as consumption, nor can they accumulate points. The credit card consumption behaviors that Bank of Communications and China Construction Bank do not recognize clearly include: transfer transactions, cash withdrawal transactions and some online transactions.

iii. Can you transfer money to pay back the credit card?

Transferring money to a credit card is a repayment, so the cardholder can transfer money to pay back the credit card if there is a debt on the credit card. At present, cardholders can transfer money to credit cards through online banking, ATM machines, bank counters and third-party payment platforms. It should be noted that transferring money to a credit card will become an overpayment if there is no arrears on the credit card. However, if the cardholder has not used the credit card for a long time, resulting in overpayment, it will become a bad credit card for too long. Therefore, when transferring money to a credit card, the cardholder should first check the amount owed by his credit card to avoid transferring more money.

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The introduction of online transfer of credit cards and online transfer of credit cards is safe. I wonder if you have found the information you need?