How to transfer credit card money to Alipay

No!

Alipay stopped credit card recharge in February 2012 at the request of the China Banking Regulatory Commission, just to prevent cash out; credit cards can only be used for online payment on Alipay; currently, only debit cards can be used to recharge Alipay!

There is no way to transfer the money in the credit card to Alipay, because the main function of the credit card is not to deposit, but to carry out advanced consumption. It’s the same as Alipay Huabei. If you don’t have any money, you can use your credit to make early purchases. For example, if the overdraft limit of your credit card is 15,000, then when you are in a hurry to use money, you can use the 15,000 in the credit card when it expires. You will have to pay it back. There is no way to transfer this 15,000 to Alipay.

Alipay (China) Network Technology Co., Ltd. was established in 2004. It is a domestic third-party payment platform dedicated to providing "simple, safe, fast and convenient" payment solutions for enterprises and individuals. Since its establishment in 2004, Alipay has always regarded "trust" as the core of its products and services. It has two independent brands, "Alipay" and "Alipay Wallet". Since the second quarter of 2014, it has become the world's largest mobile payment manufacturer.

Alipay has established strategic partnerships with more than 180 banks at home and abroad, as well as international organizations such as VISA and MasterCard, becoming the most trusted partner of financial institutions in the field of electronic payment.

Alipay, a subsidiary of Ant Financial, is a life service platform with 520 million real-name users. Alipay has developed into an open platform that integrates multiple scenarios and industries such as payment, life services, government services, social networking, financial management, insurance, and public welfare.

In addition to providing convenient basic functions such as payment, transfer, and collection, it can also quickly complete credit card repayments, recharge phone bills, and pay utility bills. Through the intelligent voice robot, you can access hundreds of life services in one step. Not only can you enjoy discounts on consumption, create groups and interact with friends, but you can also easily manage finances and accumulate credit. It has covered 38 countries and regions except mainland China.

Operating environment:

iphone 12, ios14

Alipay version 10.2.3

How can I transfer money from my credit card to What about Alipay?

Alipay does not allow credit card transfers to Alipay. Alipay can only be recharged with a debit card.

1. Open the mobile interface and click the "Alipay" icon.

2. Open the Alipay interface, click the "My" option, and then click the "Balance" option.

3. In the opened interface, click the "Recharge" option.

4. Enter the amount of "Recharge Amount".

5. After entering the amount, click the "Next" button.

6. Select a debit card in the payment method and click "Enter Password".

7. Enter the payment password and click the "Pay" button to complete charging the money in the bank card to Alipay.

How can I transfer money from my credit card to Alipay?

After January 1, 2017, credit card money can be directly transferred to a savings card under your name in the form of cash installments. As for investment, investment is prohibited in principle.

Since the beginning of last year, the bank has not used the funds in the credit card. From the original method of only swiping credit cards for consumption and withdrawing cash according to a certain proportion, it has been transformed into the ability to directly transfer credit card funds to a savings card in the cardholder's personal name for daily consumption. Different banks have different regulations on the amount of fund transfer. But under normal circumstances, the full amount can be transferred out.

For the transfer method, the cardholder can directly call the bank's credit card center and follow the manual prompts to transfer the money. Some credit card centers will directly invite customers to transfer funds. And the funds are repaid in cash installments. In other words, transferring funds out requires paying interest on the use of funds.

However, banks have clear regulations on the use of transferred funds. For example, it is usually stipulated that it can only be used for personal daily consumption, such as travel, decoration, furniture and home appliances, medical treatment, etc. Investment in stocks, funds, and real estate is strictly prohibited.

Of course, the easiest thing to find here is real estate investment. After transferring cash, many people use the funds as a down payment to buy a house. This situation is also strictly prohibited by banks. If the bank discovers in post-loan management that an individual has a personal mortgage loan after handling cash installment business, the bank may immediately require the user to pay off the money.

But since 2018, after banks have increased their efforts in mortgage loan approval, if you have debt on your credit card or the debt ratio is too high, you will not be able to apply for a mortgage. This is also equivalent to directly imposing restrictions on real estate investment. Of course, if the cash transfer is enough to buy a house in full, there is not much to say here. In short, everything has advantages and disadvantages.

At the same time, the questioner mentioned whether it can be transferred to Alipay. Since it can be transferred to a bank card, it can be transferred to Alipay through a bank card. This is not difficult. But generally speaking, there are great risks in using credit card money to invest in personal business. In the case of credit card debt, the proportion of credit card debt caused by business investment is very high.

So if you want to use credit card money to invest in business, you must choose carefully.

Have you ever heard that "the boldness of people is the result of land"? Those who answer "no" are all responsible people!

As long as you think about it, you can do it! But one thing you must know is that "cash-out with credit cards is not allowed"! ! What I want to talk about is alternative TX!

Method 1: Find friends and colleagues around you, and use your credit card when they want to buy something big. If not, you have contracted all the purchases of various departments in the company, and then pay with the card and then reimburse the finance department, so that the cash It’s in your hands, and you have no loss in TX. As for where you put the cash you got, it’s up to you! Putting Yu’ebao is a pure waste!

Method 2: I have talked about it many times, just find a P2P platform directly, a platform that can be recharged with a credit card, and recharge directly. Some platforms can withdraw cash immediately after recharging, and some platforms do not allow withdrawal, so invest in it. For new tokens, you can withdraw money when it expires, which is N times better than placing Yu’E Bao! If you don’t want to take risks, then recharge for others. If you are polite and offer discounts to others, you can top up 10,000 and receive 9,980, which is much more cost-effective than using a POS machine to cash out!

Risks and opportunities are equal, it depends on how the individual controls them! Please use your credit card reasonably and compliantly under any circumstances!

Personal opinions are for reference only! Welcome to follow and communicate!

Credit cards can only withdraw cash through cash withdrawal and cash out. However, cashing out is against regulations, so it is not recommended that you use it.

At the same time, when withdrawing cash through a credit card, the cash withdrawn cannot be used to invest in house purchases, futures, stocks and other equity investments, and can only be used for temporary capital purposes. There are also handling fees and daily interest, so you need to manage your usage well.

The money is deposited on the card.

I am very happy to help you answer this question. I have a limit on my credit card. Can I transfer the money from my credit card to a bank card for investment? In principle, this question is not allowed, but some people have indeed done this. So, as for whether you choose to do it or not, it depends entirely on you.

Many people know that credit cards are issued to us by banks, but what many people don’t know is that credit cards are indeed an interest-free loan issued to us by the bank with a rate of 0.6%. It's just a principal repayment every month. This is the amount we can see on the surface.

But what many people don’t know is that there is actually a reserve fund behind the credit card that we can use, such as Pudong Development Bank’s Wanyongjin, Xinxin’s Yuanmengjin New Express, China Merchants’ e-loans, etc. , these funds can be withdrawn to the bank card for your own investment, but you need to pay a certain amount of interest when using them.

If you don’t have a reserve fund in your credit card that you can use, you can also use the funds in your credit card. At this time, there are many methods, such as finding a POS machine and paying it out through consumption. , or go to a local store that accepts credit cards and withdraw the money, or buy something for a friend, and you can pay for him and let him give you the payment.

As long as you withdraw the money to your bank card, how you want to invest it all depends on your personal financial management level. Moreover, there are many types of financial management products available on the market. As for the final income, The situation depends on the return rate of the product you choose.

The above are my personal views on this issue. I hope it can help you. Slash youth talks about money and attention makes you more valuable.

Hello, Futures Xiaochu is a so-called old man who has been engaged in the financial industry for more than ten years. At most, he holds more than a dozen credit cards. He is a standard credit card expert. At the same time, as a national financial planner, With many years of experience in using credit cards and Alipay, let me briefly answer this question

First understand the concept of credit cards

Credit cards, also called credit cards, are credit-qualified credit cards issued by commercial banks or credit card companies. A credit certificate issued by a consumer. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

Secondly, the advantages and benefits of using credit cards

Secondly, the benefits of credit cards

1. Credit cards are the only debt instruments with a long interest-free period and have many advantages. High use value. This is not available in any other loan type. This means that for a period of time, we can spend the bank's money for free to do our own things. When money is tight, you can use a credit card to tide you over without paying interest.

2. You can accumulate personal credit. Banks generally will not easily grant credit to "white credit accounts" that have no credit record in the Credit Reference Center of the People's Bank of China. Even if credit is granted, the loan amount will be very low, and the loan interest rate will not be any preferential. Young people who have just emerged from society can accumulate personal credit by using credit cards and repaying their loans on time, laying the foundation for applying for mortgage loans, car loans and low-interest credit loans in the future.

3. You can accumulate points and participate in preferential activities. Using a credit card, you can accumulate points and redeem them for gifts or benefits. In order to seize the market and maintain customers, various bank credit card centers have launched many preferential activities.

Some activities are very powerful. Activities such as 50% off food and 1 yuan to watch movies are very cost-effective and can save a lot of money.

4. Some credit cards have powerful functions and can facilitate daily life.

The third return to this question is "How can I transfer money from a credit card to Alipay?"

1. Alipay does not allow credit card transfers to Alipay. Alipay can only be recharged with a debit card.

2. Open the Alipay interface, click the "My" option, and then click the "Balance" option.

3. In the opened interface, click the "Recharge" option.

4. Enter the amount of "Recharge Amount".

5. After entering the amount, click the "Next" button.

Another simple method is to open an Alipay merchant account, which can use Huabei and credit card with a small amount every month

Futures Xiaochu reminds everyone that credit cards are a double The edge of a sword lies in its reasonable use!

You can transfer money to the debit card bound to Alipay through online banking, and then transfer the money in the debit card to Alipay by recharging. The steps are as follows: First, open the browser and open the official website of the credit card issuing bank.

The second step is to log in to your card-issuing bank’s online banking account and enter personal online banking.

The third step is to find the "Credit Card" option in personal online banking, and find the "Cash Transfer" business in the drop-down menu of the credit card. Credit cards from all major banks now allow you to withdraw cash, but the withdrawal limits vary. Banks generally allocate hundreds, thousands, half or even full cash withdrawal limits based on an individual's credit situation.

The fourth step, after clicking to enter the "Cash Transfer" page, follow the prompts on the left side of the form to select the corresponding credit card, enter the payee's account name, transfer amount and related information, etc., and click "Next" Step" to enter the "Confirm transfer page". After selecting the credit card used for transfer, the withdrawal limit will be displayed below it. You can refer to this withdrawal limit to enter the corresponding transfer amount.

The fifth step is to confirm the transfer information after entering the "Transfer Confirmation Page". When confirming, a "Fees Description" page will pop up to tell you about the handling fees and interest required to handle the business. The interest rate is different from ordinary credit card consumption. The cash withdrawal here is actually a low-interest loan. Therefore, the interest regulations of various banks are different, but they are generally maintained within a reasonable range. In addition to interest, corresponding handling fees will also be charged, generally 1% of the transferred amount.

The sixth step is completed after the success page pops up. Usually the money arrives in your account in about 10 minutes. After the payment is received, log in to Alipay and find the balance on the "My" page.

In the seventh step, select recharge in "Balance", enter the recharge amount, click Next, enter your fingerprint or password, and the recharge is successful. In this way, the money from the credit card is transferred to Alipay.

The money on the credit card, wrong, is the credit card limit. This limit is not your current money, but your future money! Just like Huabei, you can use it first, but you will have to pay it back when the time comes, which means giving back your future! As for transferring the money from the credit card to Alipay, this is actually not feasible because Alipay does not allow direct transfer by credit card. However, people’s brains are alive and you can pay the merchant through the credit card and let the merchant transfer the money. for you! This is now a common method used by credit card users. In fact, bank credit card management does not allow this operation! But in emergencies, you can do it cheaply! But I hope everyone can repay on time and maintain their credit! In the future, try the credit society and live with credit!

Credit cards are a payment channel that can support advance consumption, and credit cards with higher limits range from tens of thousands to hundreds of thousands, so some users want to cash out the credit card limits. Is it feasible to turn it into cash and use it?

1. The concept of credit card

A credit card is a debit card. Its characteristic is that it can be used for advance consumption. Generally speaking, a credit card has two dates, one is the billing date, and the other is the bill date. The home date is the repayment date. Consumption bills need to be repaid on the repayment date, otherwise a certain overdue fee will be deducted if the bill is overdue. Generally speaking, the consumption limit of a credit card is only for consumption and does not support transfers and other services. Moreover, the most traditional way of credit card consumption still requires using a POS machine to swipe the card. With the development of fast payment, many merchants currently open Scan the QR code to pay.

2. Cashing out the credit card limit

The credit card limit can be withdrawn, mainly through the following ways:

1. Bank official withdrawal< /p>

In fact, current credit cards support cash withdrawals. Generally, after applying for a credit card, the bank will recommend installing their official bank APP. In the APP, we can directly withdraw cash online. However, it is worth mentioning that when making a cash withdrawal, the bank needs to charge a part of the handling fee, and this handling fee is still relatively high. Generally speaking, it is not cost-effective to make a direct cash withdrawal.

2. Withdraw cash through consumption channels

Since the use of credit cards is for consumption payment, the account of the merchant of capital currency can be liquidated. Simply put, it means paying the funds to the merchant. Then have the merchant transfer the funds back to your bank account.

Since the bank will charge a certain handling fee for each use of a credit card, after this operation, a part of the funds returned to your account will need to be deducted. Generally speaking, the charging rate charged by the bank is around 0.6%.

3. It is not recommended to withdraw cash except under special circumstances

Under normal circumstances, it is not recommended to withdraw money. Withdrawal through official channels requires more deductions for handling fees. For merchants to cash out, If discovered by the bank's supervisory mechanism, you will face the risk of being reduced. Therefore, under normal circumstances, it is better to use a credit card for direct consumption payment. You can also enjoy many benefits when making purchases with a credit card. For example, offline consumption has full discount activities, and credit card consumption can accumulate points to redeem gifts. Frequent use of your credit card can also increase your credit card spending limit.

In summary, the way to transfer the credit card limit to Alipay is to withdraw the credit card limit, but you need to pay a certain handling fee. Under normal circumstances, it is recommended to use a credit card directly for consumption.

No, the money on the credit card is the credit limit granted to you by the bank. Use it as much as possible and do not withdraw money.

The money on the credit card is not allowed to be transferred to Alipay unless you withdraw it first and then Deposit the bound savings card at the factory and transfer it to Alipay, but the fee is too high and it is not cost-effective.

This ends the introduction on how to transfer credit card to Alipay and how to transfer money from credit card to Alipay. Did you find the information you need?