1. Overpayment transfer: that is, the excess money in the credit card can only be transferred to the peer savings card in my name, which requires a certain handling fee, usually 0.5%-3% of the total amount.

2. Direct transfer by credit card: equivalent to cash advance. You can transfer the funds to the UnionPay card of any bank (not limited to my name) at the designated bank ATM in the designated city. In this case, the handling fee is usually 1% of each transfer amount, and the minimum is 10 yuan for each transfer; For overseas transfer, the handling fee is 3% of each transfer amount, and the minimum fee is 3 USD or 30 yuan RMB. At the same time, from the date of cash withdrawal to the date of settlement, the bank will charge interest at the rate of five ten thousandths per day, and compound interest on a monthly basis.