Not worth it. But you can do it. Get two Taobao accounts, buy things from each other, then transfer the money from the credit card to Alipay, and then withdraw it to the debit card. In this case, the money is cashed out and there is no handling fee. You can associate a debit card with a credit card and automatically repay it on the last day, so that you can get current interest even if your money is stored in a debit card. It is very low. If you have a credit card with a large overdraft, you can try it.