either is ok.

1. Credit card transfer is regarded as cash withdrawal, which is not allowed under normal circumstances and does not belong to malicious overdraft. Different banks will charge different fees. Some banks do not charge fees for deposits, but most of them will.

second, debit cards can be used to transfer money regardless of peers or banks, which is one of the basic functions.

Debit card functions:

1. Cash deposit and withdrawal: Debit cards have the savings functions of local and foreign currency, fixed deposit, current account, etc. Debit cards can deposit and withdraw money at card-issuing bank outlets and self-service banks, and can also withdraw money at ATMs (cash machines) in China and even around the world;

2. Transfer and remittance: cardholders can transfer or remit money to other accounts through bank outlets, online banking, self-service banking and other channels;

3. Credit card spending: Cardholders can use debit cards to spend money at merchants;

4. Collection and payment: Debit cards can be used to pay wages and pay various fees (such as communication fee, water fee, electricity fee, gas fee, etc.);

5. Asset management: wealth management products, open-end funds, insurance, personal foreign exchange trading and precious metal trading can be signed, traded and settled by debit cards;

6. Other services: Many bank debit card services have extended beyond financial services, such as providing cardholders with VIP access at the airport and medical and health services.