Secondly, click on "Credit Card" below.

Third, click "Card Service".

4. Click "Cash Transfer" in "Card Service".

5. Enter the transfer-out amount and click "Next".

Take China Construction Bank as an example:

Operating environment:

Brand model: iPhone 13

System version: iOS 15.4

Application version: v5.7.0.002

Benefits of credit cards

We pay by credit card. In fact, the bank pays the merchants first, that is, we spend it first and then pay it back, so our cash can be used flexibly. For example, we can put it in the bank to generate interest or invest in financial products such as funds and stocks, with a buffer time of at least one or two months. Of course, be good at investing; Otherwise, there will be no money to repay on the repayment date, which will affect personal credit.

1. Less gratitude

When you are in urgent need of cash to solve your urgent need, if you borrow it from friends and relatives, you will inevitably be embarrassed to ask. You can overdraw your credit card at this time. Although the interest of five ten thousandths is like usury, you can weigh it yourself.

2. Relative safety

Try to swipe your card when you spend money, so you can bring less cash-even if it is stolen or lost, it can reduce the loss. If the cash is lost, the possibility of getting it back is slim; But credit cards are different. Even if it is stolen or lost, we can find the loss report at the first time. Even if your credit card is stolen without a password, it is much easier to trace it-because every credit card has a record, not to mention the bank report of loss 48 hours or even 72 hours before it is reported. In addition, if you spend in cash, you may get back the counterfeit money once!

Keep clean and hygienic.

With a large cash flow, you can imagine the bacteria on the coin, and the credit card has been touched by several cashiers except yourself-even if the credit card is dirty, it can be disinfected and cleaned.

be economical

Many banks' credit cards have cooperation or promotion with merchants, such as returning the existing discount by swiping the card, watching a movie or eating western food with a 15% discount. In addition, credit card points can also be exchanged for some gifts in daily life, and there are even some lucky draws.

promote

If there is a "VISA" or "MasterCard" logo on the credit card, you can swipe your card directly abroad, and the savings card or cash must be exchanged first; In addition, it is also convenient to book air tickets, hotels, telephone or online shopping and car rental with credit cards, but savings cards may not have this benefit-because credit cards have the function of "pre-authorization" in addition to direct credit card swiping; Also, there is no embarrassment of no change.

6. Relieve economic pressure

If there is a certain economic pressure to pay a large amount of money in one lump sum, you can use a credit card to pay in installments and enjoy your favorite items in advance. Although you need to pay a certain handling fee, I think it's worth it compared with enjoying the intangible value produced by half a year or even a year in advance. Of course, spending in advance should be done according to one's ability.

7. Accumulate personal credit records

More credit cards and timely repayment can improve the credit limit and credibility. At the same time, the people's bank of China's personal credit database will have your good credit record, and it will be much easier to approve loans to buy a house and a car in the future.

8. Easy to understand the financial situation

If you apply for supplementary cards for family members, especially for children, you will basically understand their financial situation such as consumption expenditure, which is convenient for educating children about financial management and consumption awareness.

9. Easy financial management

After the bill date, we will receive a detailed paper or e-mail bill, from which we can clearly understand our consumption and expenditure last month.

10. Some extra conveniences

Some credit cards also provide free accident insurance, medical insurance, trailer and car wash, enjoy the service of VIP rooms in banks or airports, and can also exchange benefits such as voyage and gasoline points.