If you are a colleague, you can get the account the next day. If you are in another bank, you must go through UnionPay clearing. It usually takes 2-3 working days to get the account.
As for consumers (credit card holders), it is usually the day after spending by credit card. After spending by credit card, the amount will be reduced in real time, but the transaction details will not be displayed in the unpaid bill until the next day.
First, pay for other people's consumption
The safest way to cash out a credit card is to help relatives and friends pay the credit card when shopping, and then let them give themselves cash. This method does not require extra expenses, and many people will take this method when cashing out.
Second, individuals buy POS machines to cash out.
At present, there are many personal POS machines on the market, and there are also hand-brushed POS machines for sale online. Personal hand brush POS machine, this operation is relatively simple, you only need ID card, name and merchant name, you can open and register yourself, and bind a debit card number. Debit cards and credit cards can be collected through this mobile POS machine, and the handling fee is generally 0.6%-0.7%.
Third, merchants cash out POS machines.
Cardholders cooperate with merchants or some "loan companies" and "intermediary companies", and cardholders get cash by paying handling fees to merchants. Generally, the merchant's POS machine is used to make false transactions, and the amount on the credit card is crossed out. Merchants or "loan companies" or "intermediary companies" pay cardholders on the spot, and the handling fee is generally 1%, which can also be negotiated.
Fourth, the QR code is remotely withdrawn.
As long as the credit card is bound to WeChat or Alipay, you can enter the cash amount by scanning the QR code recommended by the merchant, bind the card and pay it, and then the other party will return the funds to the cardholder's other bank accounts. In fact, you can make your own collection QR code. Some apps, such as le brush, Swish and Sweep Pay, can automatically generate their own collection QR code, and the rate is generally 0.35%-0.5%.
Further reading: How does Alipay cash out credit cards?
Your question falls into two parts. First of all, how to withdraw cash from credit cards through Alipay. Second, how to stage after withdrawal.
First, apply for more than two Alipay, one of which needs authentication (that is, Alipay can withdraw cash to the bank), recharge Alipay with a credit card, then pay another Alipay account with Alipay, and then withdraw cash.
Second, after the withdrawal, it is still impossible to stage. You can only use the above method before the final repayment date, and then withdraw cash and return the credit card amount.