> ## Documentation Index
> Fetch the complete documentation index at: https://docs.pikabao.xyz/llms.txt
> Use this file to discover all available pages before exploring further.

# 信用卡资金转出

> 将虚拟信用卡内的余额转出到账户余额

## 请求参数

<ParamField body="appid" type="string" required>
  用户标识
</ParamField>

<ParamField body="bankCardId" type="string">
  信用卡 ID，与 bankCardNum 二选一
</ParamField>

<ParamField body="bankCardNum" type="string">
  信用卡卡号，与 bankCardId 二选一
</ParamField>

<ParamField body="amount" type="string" required>
  转出金额
</ParamField>

<ParamField body="idempotentKey" type="string" required>
  唯一的交易id
</ParamField>

<ParamField body="timestamp" type="string" required>
  当前时间戳（毫秒）
</ParamField>

<ParamField body="sign" type="string" required>
  签名值
</ParamField>

## 响应

<ResponseField name="code" type="integer">
  响应代码
</ResponseField>

<ResponseField name="msg" type="string">
  响应消息
</ResponseField>

<ResponseField name="content" type="object">
  转出订单信息

  <Expandable title="content 字段">
    <ResponseField name="id" type="string">
      转出订单 ID
    </ResponseField>

    <ResponseField name="userBankCardId" type="string">
      信用卡 ID
    </ResponseField>

    <ResponseField name="userBankCardNum" type="string">
      信用卡卡号
    </ResponseField>

    <ResponseField name="state" type="integer">
      状态：1-处理中，10-成功，-10-失败
    </ResponseField>

    <ResponseField name="amount" type="string">
      转出金额
    </ResponseField>

    <ResponseField name="createTime" type="string">
      创建时间
    </ResponseField>

    <ResponseField name="modifyTime" type="string">
      更新时间
    </ResponseField>
  </Expandable>
</ResponseField>

<RequestExample>
  ```bash cURL theme={null}
  curl --location --request POST 'https://kf.pikabao.cc/agent/v1/cards/cashout' \
  --header 'Content-Type: application/json' \
  --data-raw '{
    "appid": "user123",
    "bankCardId": "111222333",
    "amount": "50.00",
    "timestamp": "1640995200000",
    "sign": "ABC123..."
  }'
  ```

  ```javascript JavaScript theme={null}
  const data = {
    appid: "user123",
    bankCardId: "111222333",
    amount: "50.00",
    timestamp: Date.now().toString(),
  };

  const sign = generateSign(data, secretKey);
  data.sign = sign;

  const response = await fetch("https://kf.pikabao.cc/agent/v1/cards/cashout", {
    method: "POST",
    headers: {
      "Content-Type": "application/json",
    },
    body: JSON.stringify(data),
  });

  const result = await response.json();
  ```
</RequestExample>

<ResponseExample>
  ```json 成功响应 theme={null}
  {
    "code": 0,
    "msg": "",
    "content": {
      "id": "111222333",
      "userBankCardId": "444555666",
      "userBankCardNum": "5572710152044****",
      "state": 1,
      "amount": "50.00",
      "createTime": "2023-01-01 00:00:00",
      "modifyTime": "2023-01-01 00:00:00"
    }
  }
  ```
</ResponseExample>

<Note>
  转出金额不能超过卡内可用余额
</Note>

<Info>
  转出完成后，资金将退回到账户余额，可用于开卡或充值
</Info>

## 使用场景

* **余额管理**：将不需要的余额转回账户
* **关卡前**：销卡前先将余额转出
* **资金整合**：将多张卡的余额整合到账户