According to Jintou Credit Card Editor, in recent years, the number of credit card holders in China has increased rapidly. Many people have handled many credit cards. In case of emergencies, the urgent problem can be solved by using credit card arbitrage.But how to use credit card cash is reasonable and not illegal
    
     根据《金头信用卡》的社论，近年来，中国的持卡人数量迅速增长。许多人处理过许多信用卡。当他们遇到紧急情况时，他们可以在某种程度上解决紧迫的问题，但如何使用信用卡现金是合理的，而不是非法的
    
     据悉，网上信用卡的策略也各不相同，从如何买票退票到研究利率哪一强，无论采用哪种方式，始终无法解决非法套现的问题。一旦法律问题无法解决，就意味着人们面临着在获得现金之前一直亏损的风险。
    
     First of all, we need to understand that credit cards can be used to transfer money. The biggest highlight of the Circular of the People's Bank of China on Credit Card Business issued by the Central Bank in April 2016 is that credit cards can be transferred to savings cards and third-party accounts.The withdrawal cost of these two methods is much lower than ATM withdrawal, in which the cost of third-party payment account transfer is close to the cost of illegal cash.
    
     Let's start with the direct transfer of credit cards to savings cards, which is the cash business advertised by banks.According to the cardholder's and the card record, the phases that can be obtained are also different, for example, the maximum amount of cash phased by the Recruitment Bank is 50,000 yuan.The cash will be transferred to the debit card in the cardholder's name after successful cash installment.Cash instalments have no interest but handling fees, such as cash instalment rates: 3 instalments 0.95%, 6 instalments 0.80%, 10 instalments 0.75%, 12 instalments 0.75%, 18 instalments 0.75%, 24 instalments 0.75%. The principal and corresponding handling fees of each instalment are included in the current bill.
    
     第二种形式是信用卡先将账户转帐到第三方，如微信钱包、支付宝等，然后再转帐到另一个连接。根据以前的政策，严禁向第三方支付机构充值信用卡。虽然该功能现在已经开通，但也做了一个L。OT的限制，最重要的一点是是否向银行提供这种功能，目前一种叫廉价鹿的产品已经实现了这种功能。
    
     富鹿用户可以到第三方机构领取储蓄卡，手续费在0.57%到0.51%之间，个人和日常限额由银行设定，即每家银行的信用卡甚至不同于同一家银行的信用卡，现金到达时间是可选的。默认情况下，24小时到达不收费。如果您选择立即到达，将额外收取2元手续费。
    
     Whether credit cards transfer directly to savings cards or to third-party payment accounts, the two forms are more cost-effective than withdrawing cash directly from ATM or the counter. They solve the problem of fund security of illegal cash cash on credit cards while guaranteeing low handling fees. It can be said that they provide a relatively cheap way of borrowing for the majority of cardholders.Of course, the shortage of funds can only be solved temporarily, and reasonable planning of consumption expenditure is the long-term solution.
    
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