Since the beginning of last year, banks have been using the funds in credit cards. From the original credit card consumption and cash withdrawal in a certain proportion, credit card funds can be directly transferred to the cardholder's personal savings card for daily consumption. Different banks have different regulations on the amount of fund transfer. But in general, it can be transferred out in full.
Transfer-out method: the cardholder can directly call the bank credit card center and transfer out according to manual prompts. Some credit card centers will directly invite customers to transfer money. The funds are repaid in cash installments. In other words, the transfer of funds requires the payment of interest on the use of funds.
However, the bank has clear regulations on the use of the transferred funds. For example, it is usually stipulated that it can only be used for personal daily consumption, such as tourism, decoration, furniture and appliances, medical care and so on. It is forbidden to invest in stocks, funds and real estate.
Of course, the easiest thing to figure out here is real estate investment. Many people transfer this money to cash and use it as a down payment to buy a house, which is also strictly prohibited by banks. If the bank finds that an individual has a personal mortgage after handling the cash installment business in the post-loan management, it can immediately ask the user to pay it off.
However, after 20 18, after the banks strengthen the examination and approval of mortgage loans, if the credit card in an individual's name is in debt or the debt ratio is too high, it is impossible to apply for mortgage loans. This is equivalent to directly restricting real estate investment. Of course, if you transfer enough cash to buy a house in full, I won't say much here. In a word, everything has advantages and disadvantages.
At the same time, the subject mentioned whether it can be transferred to Alipay. Since you can transfer to the bank card, you can transfer to Alipay through the bank card. This is not difficult. But generally speaking, there are great risks in personal business investment with credit card money. Taking credit card debt as an example, 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 of "how bold people are and how productive the land is"? Those who answer "no" are all my own people!
Do it if you want! But one thing must be known: "Credit cards are not allowed to cash out"! ! I'm talking about alternative TX!
Method 1: find friends and colleagues around you, who will use your credit card when they want to buy big things; The worst thing is that you contract all the purchases of the company's departments, and then you pay by credit card and transfer it to financial reimbursement, so that cash will come to you and you won't lose TX. As for where to put the cash, it's up to you! It's a waste to put the balance treasure!
Method 2: I have said many times, that is, directly find the P2P platform, and you can recharge it with a credit card. Some platforms can withdraw cash immediately after recharging, while others are not allowed to withdraw cash, so put a new sign and withdraw cash at maturity, which is n times stronger than putting Yu 'ebao! If you don't want to take risks, then help others recharge. You politely give others a discount, charging 10000 to receive 9980, which is much more cost-effective than cashing in with a POS machine!
Risks and opportunities are equal, depending on how individuals control them! In any case, please use the credit card reasonably, legally and correctly!
Personal views are for reference only! Welcome to pay attention to communication!
Credit cards can only be cashed out by cash withdrawal and cash withdrawal. However, cashing is against laws and regulations, and it is not recommended for you to use it.
At the same time, if the cash withdrawn from the credit card cannot be used for equity investments such as house purchase, futures and stocks, it can only be used for temporary funds. Moreover, there are handling fees and daily interest, which should be managed well.
Credit card to withdraw money into the card.
I am glad to help you answer this question. There is a limit on credit cards. Can I transfer the money from my credit card to my bank card for investment? This question is not allowed in principle, but it has already been done, so whether you choose to do it or not depends entirely on yourself.
Many people know that the credit card is issued to us by the bank, but what many people don't know is that the credit card really belongs to the bank, giving us an interest-free loan of 0.6%, only paying the principal once a month. This is the quantity that we can see on the bright side.
But what many people don't know is that there is actually a reserve fund behind the credit card for us to use, such as Pufa's universal fund, Zhongxin's new express line of dreams, and e-loan for investment. These funds can be completely withdrawn into the bank card for their own investment, but they need to pay certain interest when they are used.
If there is no reserve fund available in your credit card, you can use the funds in the credit card. At this time, there are many ways, such as finding a POS machine to brush it out through consumption, or going to a local store where you can swipe your card, or helping a friend buy things. You can help him pay and let him give you the payment.
As long as you withdraw your money into the bank card, how you want to invest depends on your personal financial management level. Moreover, there are many types of wealth management products on the market for you to choose from. As for the final income, it depends on the yield of the products you choose.
The above is my personal view on this issue, and I hope it will help you. Slash youth says money, attention makes you more valuable.
Hello, Chu Xiao, a so-called old man who has been engaged in the financial industry for more than ten years, holds more than a dozen credit cards at most, and is a standard credit card expert. At the same time, as a national financial planner, I have many years of experience in credit card use and Alipay. Let me answer this question briefly.
First, understand the concept of credit card.
Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
Secondly, the advantages and benefits of using credit cards.
Secondly, about the benefits of credit cards.
1. Credit card is the only debt instrument with long interest-free period, which has high use value. This is not available in any other loan varieties. This means that for a period of time, we can spend the bank's money for free and do our own thing. When money is tight, you can also use a credit card to tide over the difficulties without paying interest.
2. You can accumulate personal credit. For "white letter users" who have no credit record in the Credit Information Center of the People's Bank of China, banks generally don't give credit easily. Even if credit is granted, the loan amount will be very low, and there will be no preferential loan interest rate. Young people who have just left the society can accumulate personal credit by using credit cards to repay on time, laying the foundation for applying for mortgage, car loan and low-interest credit loan in the future.
3. You can accumulate points and participate in preferential activities. With a credit card, you can accumulate points and redeem gifts or rights. In order to seize the market and protect customers, credit card centers of various banks have launched many preferential activities. Some activities are very strong. Activities such as 50% off food and watching movies for one yuan are very cost-effective and can save a lot of money.
Some credit cards are powerful and can facilitate daily life.
Third, back to the topic "How to transfer the money from the credit card to Alipay?"
1. Alipay does not allow credit card transfer to Alipay. Alipay can only be recharged with a savings card.
2. Open the Alipay interface, click the "My" option, and then click the "Balance" option.
3. In the open interface, click the "Recharge" option.
4. Enter the amount of "Recharge Amount".
5. After entering the amount, click "Next" button.
Another simple way is to open the Alipay merchant number, and you can use a small amount of flowers and credit cards every month.
Futures Chu Xiao reminds everyone that credit cards are a double-edged sword, which lies in rational use!
You can withdraw cash from the credit card through online banking, transfer the money to the debit card bound by Alipay, and then transfer the money in the debit card to Alipay through recharge. The steps are as follows: Step 1, open the browser and open the credit card issuer official website.
Step 2: Log in to my issuer's online banking account and enter personal online banking.
Step 3: Find the "Credit Card" option in personal online banking and the "Cash Transfer-out" business in the credit card drop-down menu. Credit cards of major banks can now be withdrawn, but the withdrawal amount is different. Banks generally allocate hundreds, thousands, half or even full withdrawal quotas according to personal credit conditions.
Step 4: Click to enter the "Cash Transfer-out" page, select the corresponding credit card according to the prompts on the left side of the form, enter the payee's account name, transfer-out amount and related information, and click "Next" to enter the "Confirm Transfer-out Page". After selecting the credit card to be transferred, the withdrawal amount will be displayed below it, and you can enter the corresponding transfer-out amount by referring to this withdrawal amount.
Step 5: Enter the "Transfer-out Confirmation Page" to confirm the transfer-out information. When confirming, a "Expense Description" page will pop up, telling you the handling fee and interest to be paid for the credit card cash withdrawal business. The interest paid by credit card withdrawal is different from that paid by ordinary credit card. Cash withdrawal here is actually a kind of low-interest loan, so the regulations on interest are different from bank to bank, but they are generally kept within a reasonable range. In addition to interest, there will be a corresponding handling fee, which is generally 65438+ 0% of the transfer amount.
Step 6: After the credit card withdrawal success page pops up, the credit card withdrawal is completed. It usually takes about 10 minutes for the money to arrive. After receiving the account, log in to Alipay and find the balance on the "My" page.
Step 7, select recharge in "Balance", enter the recharge amount, click Next, enter the fingerprint or password, and the recharge is successful. In this way, the money in the credit card will be transferred to Alipay.
The money on the credit card, wrong is the credit card limit, not your current money, but your future money! I will give it to you first like a bud, but you must return it at that time, that is, your future! As for the transfer of credit card money to Alipay, it is actually not possible directly, because Alipay does not allow direct credit card transfer. However, people's brains are alive, so they can pay the merchants with credit cards and let them transfer the money to you! This is a common method used by credit card owners now. In fact, bank credit card management is not allowed to do this! But in an emergency, it can be cheaper! But I hope you will repay on time and keep your word! Try the credit society and credit life in the future!
Credit card is a payment channel that can support early consumption. The credit card amount ranges from tens of thousands to hundreds of thousands, so some users want to cash out the credit card amount and use it. Is this feasible?
First, the concept of credit card credit card belongs to debit card, which is characterized by being used for consumption in advance. Generally speaking, a credit card has two dates, one is the billing date and the other is the repayment date. Consumer bills need to be repaid on the repayment date, otherwise a certain overdue fee will be deducted. Generally speaking, the credit card consumption limit is only for consumption, and does not support business such as transfer, and the most traditional credit card consumption method still needs to use POS machine to swipe the card. With the development of fast payment, many merchants have opened the way of scanning code payment.
Second, the credit card limit can be cashed out, mainly in the following ways:
1. The bank officially withdraws cash.
In fact, current credit cards support cash withdrawal. Generally, after applying for a credit card, banks will recommend installing their official bank app, where we can withdraw cash directly online. However, it is worth mentioning that banks need to charge a part of the handling fee for cash withdrawal, which is still relatively high. Generally speaking, it is not cost-effective to withdraw cash directly.
2. Withdraw cash through consumption channels.
Because the credit card is used for consumer payment, the merchant's account can be realized in the currency of funds. Simply put, you can pay the money to the merchant and then ask the merchant to transfer the money back to your bank account. Because the bank will charge a certain fee for each credit card, after this operation, some funds will be deducted from the funds returned to your account. Generally speaking, the handling fee rate charged by banks is around 0.6%.
3. Cash withdrawal is not recommended under special circumstances. In general, it is not recommended to withdraw cash. Under the official channels, there are many expenses to be deducted. If the merchant cashes out, if it is discovered by the bank's supervision mechanism, it will face the risk of being reduced. So generally speaking, it is better to pay directly by credit card. You can also enjoy many discounts when spending by credit card. For example, offline consumption has full reduction activities, and credit card consumption can accumulate points for gifts. Frequent use of credit cards can also increase the consumption limit of credit cards.
To sum up, the way to transfer the credit card amount to Alipay is to withdraw the credit card amount, but a certain handling fee is required. Under normal circumstances, it is recommended to use credit card directly.
No, the money on the credit card is the credit line granted to you by the bank. Spend as much as possible, don't extract.
Credit card money is not allowed to be transferred to Alipay, unless it is withdrawn first and then stored in a bound savings card and transferred to Alipay in the factory, but the cost is too high and uneconomical.