Under normal circumstances, you can't transfer money directly by credit card. If you want to transfer money by credit card, you can withdraw cash by credit card, but this method not only pays a certain handling fee, but also pays five ten thousandths of daily interest. Another way is to overpay the transfer by credit card, and also charge the transaction fee.

Two ways to realize credit card transfer:

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

2. The second way is through overpayment: transfer money by overpayment, without paying interest, but still charging a transfer fee. The charging standards of different banks are different, and the specific situation still depends on the regulations of the issuing bank.

First, 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 20,000 yuan, and the monthly limit is 50,000 yuan.

2. The cash withdrawal amount in the card has been completely withdrawn, but the customer has not repaid, so there is no cash withdrawal amount in the current card, so it is naturally impossible to transfer money.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 restores the quota, 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, resulting in temporary unavailability. If there is something wrong with the receiving bank card, the transfer cannot be successful.

4. Credit cards cannot be transferred to each other. Customers who want to transfer money 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 and 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.

2. Does credit card transfer count as consumption?

Different banks have different regulations on whether credit card transfer is considered as consumption. According to the definition of credit card consumption rights and interests: CITIC Bank credit card (except for new network co-branded card, Guangdong card and I Platinum card, etc.). ) All of them are RMB 65,438+0 yuan or HK$ 65,438+0 yuan with 65,438+0 points. If you spend or withdraw US$ 65,438+0 or Euro, you can accumulate 8 points, and the gold or platinum card points will be calculated twice. 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 consumption, nor can they accumulate points. Credit card consumption behaviors not clearly recognized by Bank of Communications and China Construction Bank include transfer transactions, cash withdrawal transactions and some online transactions.

3. Can I transfer the money and return the credit card?

Transferring money to a credit card is repayment, so if there is a debt on the credit card, the cardholder can transfer money to repay it. 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 if there is no debt on the credit card, the transfer to the credit card will become overpayment. However, if the cardholder does not use the credit card for a long time, resulting in excessive repayment, 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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Can I transfer money by credit card?

You can't transfer money directly by credit card.

1. A credit card is a debit card. The overdraft limit in a credit card is a sum of money granted by the bank to encourage cardholders to spend by credit card. Transfer is not consumption, so it is not the basic function of credit card.

It is understood that the credit cards of ICBC, China Construction Bank, Agricultural Bank, China CITIC Bank and other banks can be transferred to their peers' savings cards, but they cannot be transferred across banks. Banks such as Bank of China, Bank of Communications, China Guangfa Bank, China Merchants Bank and Ping An Bank can transfer credit card overdrafts to peer savings cards, and support inter-bank transfer of credit card overdrafts. However, the inter-bank transfer fee for credit card overdraft is relatively high, and there are many restrictions when handling it.

2. Credit card transfer, like cash withdrawal, has a certain limit, and it also charges fees and interest; In addition, the overdraft transfer of credit cards needs to be handled through online banking or telephone banking, and cannot be completed at the bank counter or self-service equipment. Limit, handling fee and interest standard are the same as credit card withdrawal.

If the cardholder transfers money by credit card, the bank will charge five ten thousandths of interest every day, and a one-time handling fee of 1% will be charged according to the transfer amount. If the cardholder forgets to repay the loan, he will have to pay the overdue fine. The standard is 3% of the total overdue amount, and it is not lower than 30 yuan; If the cardholder prepays, he/she needs to pay the prepayment fee. The amount is 2% of the transfer principal, and the new functions enjoyed by credit card transfer are expensive.

Swiping a card on a POS machine is the most common way to use a credit card, and it is also a way to swipe a card online. When swiping a card, the operator should first check the validity period of the credit card and the cardholder's surname. Then, according to the issuing bank and the currency to be paid, select the corresponding POS machine, draw the magnetic stripe of the magnetic stripe credit card on the POS machine, or insert the chip credit card into the card slot, connect with the bank, and input the corresponding amount.

After receiving the information of remote payment, POS will print a credit card payment receipt (at least two copies), and the cardholder will sign the receipt after checking that the information on the payment receipt is correct. After checking the signature on the receipt and the signature on the back of the credit card (including the complete name matching and the basic handwriting matching), the operator sends the credit card copy and the credit card payment receipt to the cardholder. At this point, the credit card swiping program on the POS machine is completed.

Credit card transfer is possible, but there will be restrictions. According to the regulations of a bank, under normal circumstances, the daily cash withdrawal limit is 2,000 yuan, and the handling fee is charged at 1% of the cash withdrawal amount, with a minimum charge of 10 yuan. In addition to the formalities, interest of five ten thousandths of the cash withdrawal amount is charged every day.

For credit card transfer, you must have a debit card of the bank and open one of telephone banking, online banking and mobile banking. Cardholders must pay the bill and related expenses after transferring cash in advance. Charge five ten thousandths of interest every day, plus related handling fees.

Therefore, credit cards can transfer money, but there is a limit on the amount and the handling fee is not low. If you really need to transfer money, you can open online banking for credit cards. After the registration is successful, you can log in to the online bank of the credit card with your ID number, login password entered at the time of registration and the additional code prompted, so that the credit card transfer can be realized.

It is recommended not to transfer money by credit card, because it will generate many other expenses.

Disadvantages of using credit card to transfer money:

High cash withdrawal cost: credit card withdrawal not only requires handling fees, but also can not enjoy the interest-free period of normal consumption. Interest shall be calculated at 0.5 ‰ per day from the date of cash withdrawal, until the arrears are paid off.

Repayment requires full repayment: cash withdrawal is different from overdraft consumption, and it needs to be repaid in full on the repayment date, and cannot be repaid in installments or at a low price. If the user's repayment ability is limited and a large amount of cash is withdrawn by credit card, it is bound to be difficult to repay. .

There are two ways to transfer money from credit card to bank card:

1. If there is more money in the credit card, you can transfer the overpayment exceeding the credit card limit to the debit card of the same bank in your own name. A handling fee of 0.5%-3% is charged when transferring money, mostly 1%.

2. When the credit card has the cash withdrawal function and one of online banking, mobile banking and telephone banking is opened, you can transfer money to your debit card, but the maximum amount is only half of the credit card amount, and the daily amount is often only about 2,000 yuan. (If you can't find the transfer entrance in the above three ways, you can transfer money directly through ATM. )

Generally speaking, credit card transfer is not cost-effective.

First of all, there will be a handling fee of about 1% for credit card transfer, which usually starts from 10 yuan; Secondly, unlike direct consumption, which has an interest-free period, transfer is regarded as cash withdrawal, and interest is directly calculated at the daily interest rate of five ten thousandths from the date of transfer, with an annual interest rate of 18%.

The most important thing is that cash withdrawal and transfer cannot be made in installments, and they must all be paid off after the repayment date. Once overdue, in addition to the penalty interest, it will also affect personal credit information. In an era when credit is becoming more and more important, credit cards should be used reasonably. It can be used for consumption properly, but don't overdraw. Try not to use the cash withdrawal function, avoid dependence and pay more interest.

Can ICBC credit cards be transferred?

Icbc credit card refers to a bank card with a certain credit limit, which can be paid first and then returned, and has the functions of deposit and withdrawal, transfer and consumption. You can handle the transfer business through ICBC online banking, mobile banking and other channels.

(Answer time: 2065438+June 6, 2009. In case of business changes, please refer to the actual situation. )

Can ICBC credit card transfer loans?

ICBC credit card can be used for loan transfer.

ICBC credit card can borrow money to transfer money. There are two ways. 1. Overpayment transfer: Overpayment refers to the money deposited in the credit card by the cardholder, who can transfer it to the ICBC savings card in his own name. 2. Overdraft transfer: it is equivalent to cash advance, and part of the credit card can be transferred to ICBC savings card. From the date of transfer, ICBC will charge interest at the rate of 0.5 ‰ of the transfer amount every day.

ICBC credit card is the credit card with the highest circulation in China. The main types of ICBC credit cards are: Peony International Credit Card, Peony Credit Card and Peony Credit Card; ICBC credit cards are divided into: Peony Visa Card, Peony MasterCard and Peony American Express Card by brand; According to the credit rating, it is divided into: platinum card, gold card and ordinary card; According to the issuing object, it is divided into business cards and personal cards, in which personal cards are divided into main cards and auxiliary cards.

So much for the introduction of industrial and commercial credit cards.