Confusion between transferring USDC on ethereum vs polygon networks.

Hi

I am new to using crypto and have a bit of a trouble understanding transactions on polygon and ERC-20 network. I am using a metamask wallet and have some USDC on it. Can I transfer this USDC via either polygon or ERC-20 network? Also, if the receiving wallet mentions to only transfer on ERC-20 network, will I still be able to transfer to this wallet via polygon network considering it's a layer 2 network built on ethereum?

I would greatly appreciate if someone could give a detailed description of this.